vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I saw a collection account on my credit report for National Credit Systems, but I did not know who they were. I contacted the credit agency and they came back with a generic response stating that it was verified, but that is impossible. I was victim of a car break in where my wallet was stollen a couple of years back, but I never noticed this item on my report. it only came up because I went to buy a new car, but was unable to because this plummeted my score. when I look at the report it says National Credit Systems and says that the original creditor is XXXX XXXX. the problem with that is that I have lived in the same home for the past 17 years with my parents and I am only XXXX. According to this creditor they have had me in collection since XX/XX/XXXX. I have lived no where else, I have received no correspondence. I also sent a letter to National Credit Systems asking for a copy of what ever agreement or document that proves my signature but there still has been not response to date and that was in XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I lost my job in XXXX of 2021 and fell behind on my Synchrony Bank credit called. We called them to ask if there were any assistance thru the pandemic that I kept hearing about with the Federal Cares Act. They said they did and set us up on a plan that closed our account ( which weren't aware of at the time ) and to pay XXXX dollars a month which was the minimum monthly payment. Now we have gotten back on track financially again and we're looking to refinance the home and they have been issuing a rolling 30 60 and 90 day late on our account since XXXX of 2021 and we have been making the XXXX dollar minimum payment that they set up for us. I don't know how that is assisting us when all they did was continue to ruin our credit without us knowing or we would have paid it off in full a few months earlier. We found this out when we were about to pay off the debt in full and they refused to take these lates off of our credit report. We asked them if we pay it in full if they would take the lates off of our credit and they said no. I was under the impression that they were only reporting the XXXX dollar minimum payment to the bureaus from the conversation we had and from the letter that they provided us of the plan. It tells us that we will need to pay the past due balance but never says that they are going to report us as late. I continue to make and prioritize our payments which is what the CFPB states to do only to have a little synchrony bank/sleep number credit card ruin our credit over a XXXX dollar line of credit. I am a veteran of this country and once again the CFPB and the Government has left us out to dry. I can't refinance my home now because of this. Which would have saved us over XXXX dollars a month.

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 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I was advised by my mother and confirmed by a female banker by the name of " XXXX '' at my bank, Wells Fargo ( Bank ID XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL ) they mistakenly linked my accounts to my mother 's accounts and sent her a hard copy of ALL of my account balances/statements. This was a very personal breach of confidentiality and Wells Fargo should be monetarily and harshly sanctioned. Not only does she have my personal account balances but ALSO my business account balances. This is true negligence on the part of Wells Fargo. " XXXX  '' is going on vacation STARTING XX/XX/XXXX and will not be available to discuss this for an entire week ( as she advised me today ). This has been escalated to the bank manager. 

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 2022-03-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I Requested a Covid Forbearance in XX/XX/XXXX. I ended my forbearance in XX/XX/XXXX and applied for a loan mod. The bank approved my loan mod with lower payments and completed the partial claim to place a portion of my balance to the end of the loan per FHA guidelines.I had a {$1000.00} in suspense. When they approved me for the loan mod they told me I had to pay ( 3 ) trial mod payments and since I had {$1000.00} in suspense it could be used towards my first mod payment. I was dealing with a manager XXXX who was kind enough to help me get everything set up. She told me my first mod payment would be {$1400.00} but they were using the {$1000.00} already in my suspense bucket so all I had to pay was {$420.00} which I paid. Since then I paid all of my trial mod payments and my XXXX and XX/XX/XXXX mortgage payment. As of today they still have not processed my loan mod in their system I can not make my payments online I do not have online access and they have all my payments in the suspense bucket. I have {$7100.00} sitting in suspense. What makes it bad I get a call from XXXX at M & T bank and tells me I am due for my XX/XX/XXXX paymentI told him absolutely not I am current and owe my XXXX payment. He then said that when I made my first mod payment I was not allowed to use my money that was in my suspense bucketnow I am very angry that was my money I paid during my Covid Forb that loss not told me could be used for my first trial payments. Something has to be done one hand does not know what the other hand is doing and I am tired of being harassed. please help me or do I need an attorney

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I Noticed Unauthorized Inquiries On My Credit Report. 

XXXX XX/XX/XXXX Capital One XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax 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 60 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I was forced to transfer to this lender in XXXX of 2021. It had been XXXX every since. When I call I am either brushed off or lied to. No one knows when my payment for my prior lender made on XX/XX/2021 for {$200.00} will transfer over even though all of my other payments have tranfered over. They also lied and said my XXXX payment was made to the wrong address and was rejected which was a LIE! The payment was applied like 3 days later. Please review all of my calls from XXXX to current to hear all the lies and inaccuracies. It was a PAIN getting documents from them when my loan was transfered over but they want me to pay then XXXX and they provide terrible service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We have a mortgage with Chase Bank. 

On XX/XX/2022, we received our monthly statement. It indicated that we had failed to make a payment due XX/XX/2022. 

I immediately called chase bank to determine the status of our payment as we had made payment on XX/XX/2022 for {$1500.00}. The payment was processed through our online banking bill pay through XXXX bank. Previous payments have been made a received through this same bill pay. 

I was told that I shouldnt be alarmed and that the payment may surface. I informed them that my payment due In XXXX was already in process. I agreed to follow back up with them in a weeks time. They indicated that my credit was not at risk during the call. 

I received an automated text from chase bank on XXXX indicating that my mortgage needed attention. I was already aware of the issue with the XXXX Payment. I went to login through the text link. Because of my lack of technical aptitude, I managed to get security locked out of my account. Frustrated I decided to call them when I had time to speak. 

I followed up on XX/XX/XXXX by phone to determine if I should take any action. I was informed that they had not yet received my payment. I offered to make a payment by phone to cure the issue so there would be no adverse credit reporting issues. Im in the real estate business so good credit is very important to me and integral to my ability to finance. Payment was taken over the phone. Late fees were waived. The operator indicated that she thought my account was still too new at chase and likely not even reporting yet.

Today I woke to a notification that my credit score has dropped by XXXX points. From XXXX to XXXX. This is due to an erroneous derogatory complaint made by chase concerning this account. 

Chase inaccurately represented their intentions to send derogatory information on my credit report. Further, despite the fact that I spoke with them twice, they did not provide me with an opportunity to correct the problem in a way that would have prevented the derogatory event from happening. 

I spoke with Chase this morning. I Spoke to three people for about 90 minutes. I was told they would have to review the recorded conversations, and they needed evidence from me. I emailed them my payment confirmation from XXXX for the disputed payment and demanded they act quickly to repair the damage they have done to my credit. They appeared unconcerned and could not assist in expediting a solution. 

This is inappropriate reporting. Derogatory information should only be reported when there is clear default. These credit reporting practices are abusive and they should work much faster when they erroneously damage a customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: U.S. BANCORP
State: NM

Complaint narrative:
XXXX XXXX FXXXX insurance was placed against an SBA loan unknowingly to the borrower. The lender, US Bank, took an additional XXXX dollars of flood insurance before the borrower was able to get it stopped. The lender required us to get flood insurance totaling XXXX XXXX dollars against a loan that had a balance of {$88000.00}. We feel that money is owed to us as we had borrow provided insurance in place and supplied proof of it which was acknowledged by the lender, even though they continued to try and take more money from us for their forced placed flood insurance. The documents I will provide show an accurate detailed timeline of events, as well as all of the documents the bank provided us.

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 2022-03-11 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: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate.

US DEPT ED Account Number : XXXX As a consumer by law this account must be deleted immediately. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments XXXX Account Number : XXXX I had no late payments made on this account. I paid this account as agreed

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 2022-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have been dealing with this for about 4 months now. PHH mortage is prolonging my modification process. I have literally been sent over 6 packages, due to underwriting denying my application saying that my signature is incorrect. I have spent over {$300.00} getting all of these packages notarized. On the latest package sent I literally called the PHH representative who called her supervisor to make sure of how PHH wanted these documents signed. I signed then with the rep on the line and the notery there as well. I signed them verbatim per her the rep and her supervisor instructions. Still underwriting denied them stating that they are not signed correctly. They were due XX/XX/XXXX. Sent in well before that date. I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had charges since XXXX of 2021 on one of my Chase checking accounts that were not made by me. Someone ( s ) fraudalent charged my account. I contacted the bank who did not defend me on a single one of them. Some they said were over 60 days and I would not get defended about. The others they said were from the same places as outside of the 60-day ones and they wouldn't protect me for either. This is almost {$12000.00} in charges and my bank is not defending me even though I'm telling them they're clearly fraudulent. I've had a 30-year relationship and they're not even defending me. So so upset here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.

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 2022-03-11 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: OH

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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