vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 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: IL

Complaint narrative:
I contact Experian via certified mail on XX/XX/XXXX asking them to investigate, verify the late payment charge from XXXX XXXX XXXX XXXX. I It has been beyond 30 days. This late payment information needs to be deleted from my record. 

I contacted XXXX XXXX  directly and they too have no proof of late payment. Experian is fraudulently maintaining this record.

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 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I tried to deposit {$4000.00} cash in atm at chase bank XXXX XXXX  in XXXX, MI. The atm gave error said I entered to many item, spit out {$1900.00}. I assumed it counted the {$2100.00} because no receipt came out. My atm card was still in atm never took out. I counted out bills of XXXX {$20.00} 's and made deposit of remaining deposit, still no receipt. I opened app for chase on my phone and it only deposited {$1900.00}. I immediately call the number on atm, walked around Vehicle to see if any thing was on ground. Rep assured me money was still in machine they would find if I put it in machine. I received a deposit of {$2100.00} on XX/XX/XXXX from chase. On XX/XX/XXXX chase took {$2100.00} out of account stating they didn't find any money at all. Leavin account negative XXXX. A deposit of my social security and stimulus came in still leaving account negative. I asked for them to look again and look at the camara cuz I stacked it all at window and my card never left machine so I know it is a visual of what happened. I was the told to contact police and get a lawyer to get a supeona to have chase look at camara. I can't afford a lawyer on on XXXX XXXX. Im stressed and lost. I did obtain a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
To Whom It May Concern, The purpose of this letter is to give explanation of a credit reporting error in regards to our loan with Mr. Cooper for XXXX XXXX XXXX, XXXX, CA XXXX. 
First and foremost, we have never paid a late mortgage for any of the 20+ properties we own and manage. I have included the past 18 months of payment history ( attached ), printed directly from our banks website, for XXXX XXXX XXXX/Mr. Cooper. Payments were always made before the XXXX th of each month, or else they would be considered late by Mr. Cooper. 
Our credit has been negatively affected and our refinance put in limbo due to an incorrect assessment by Mr .

Cooper. We have been given two 30-Day Late charges for this loan with Mr. Cooper as a result of this error. 
Despite having our own insurance policy for XXXX XXXX XXXX ( see attached letter from our insurance broker and declaration page ), Mr. Cooper decided to place hazard insurance without notice or authorization. 
The lender placed insurance created a shortage in our impound account, leading to an increased impound amount, again without our knowledge or notification. Please see attached escrow statements. Furthermore, the contact phone number associated with this mortgage account was not our, further displaying Mr. Coopers disorganization and unprofessionalism. 
Our payment history shows our payments made in full and in a timely fashion. The discrepancy has come about because of the impound adjustment and an underpayment made because of this adjustment. Mr. Cooper has done a poor job managing this loan ( loan was refinanced XX/XX/2020 with XXXX XXXX ). There have been refunds for escrow overpayments, assessment for escrow shortages, and virtually no communication at all in regards to this mortgage ( insurance info, notices, etc. ) It is bewildering that we received two 30-Day late credit hits on two {$200.00} impound increases because of Mr .

Coopers disorganization. We are already in the process of disputing these negative credit reports with all three credit agencies and with Mr. Cooper. 
These oversights by Mr. Cooper show that they poorly managed our mortgage account and we believe that we should not be penalized for this. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TN

Complaint narrative:
Beginning in XXXX, I got involved in a scam on my Discover Card, which had a {$12000.00} credit limit. I didn't know that it was a scam in the beginning. I got 2 or 3 cash advances - all within the limits of the card - over a period of time. I did the cash advances - the person I was helping financially did NOT have access to my card or card number ; however at some point, he was able to hack in to my account or do a card takeover. He made a payment on my account and then before the payment could clear, he recalled it. This happened twice AFTER I got the cash advance. Needless to say, this put my card way over the {$12000.00} limit. I ended up owing {$30000.00} ( +- ) on the card instead of the initial {$10000.00}. When I contacted Discover to say, " hey, I didn't do this and why did you allow this to go over my credit limit! '' they insisted that I had participated in the scam and are holding me responsible for making payments. 

In XXXX, out of desperation to not further damage my credit, I asked if they could help me. The lady I spoke with was very nice and also didn't understand why I was having to pay for this scam. She set up a hardship program for me where I now pay {$530.00} a month for 5 years on this debt - debt that I did not create and isn't mine to pay. They are continuing to victimize me by holding me responsible. I sent them a Certified letter a few months ago - return receipt requested - and repeatedly called them. They have failed to do anything that is beneficial to me. I even asked them to restore my card back to the credit limit of {$12000.00} and let me pay that even though that's more than I originally owed on it and write off the remainder of the charges to fraud since I didn't create this mess. They have refused repeatedly. 

This has created a very big hardship on my family. My husband is retired, income is set, and I can not continue to pay this debt for 5 years ... I had to take on a second job to be able to do this and at XXXX years old, I can not do it long term. Its ridiculous that I should have to pay for someone else 's evil doings. I repeat, I DID NOT give anyone my card number ... all I did was try to assist someone who said they needed financial help. Admittedly I was too quick to trust, but I should not be responsible for the evil doings. It appears that this person did a credit card takeover! I would appreciate any help that you could give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I am filing a complaint against SIMON 'S AGENCY INC ACOUNT # XXXX & XXXX the ORIGINAL CREDITOR : XXXX XXXX XXXX. I wrote to them on XX/XX/2020 for validation they received the letter on XX/XX/2020. They responded back on XX/XX/2020 past the 30 days. They are non compliance of Federal, State, FCRA and FDCPA violation status on fraudulent extortion. 
I hereby reserve my right to take private civil action against you to recover damages. Here are violations that I will be filing : 1 ) They have " Re-Age '', your account by reporting the date of last activity instead of the date of last delinquency. Protection under the FDCPA Section 807 ( 8 ) fine. 2 ) They have report my credit history inaccurately. Defamation, financial injury. U.S.Court of Appeals, Ninth Circuit, No.00-15946, Nelson vs. Chase Manhattan. Extent of damages incurred by the wronged partly as deemed by the courts. 3 ) Liability : Bryant v. TRW - the Defendant consumer reporting agency unsuccessfully argued that, under 607 ( b ) of the FCRA ,15 U.S.C. 1681 et seq., it was not liable as a matter of law, for the reports it issued in good faith, and as a result of inaccurate information provided to it by Plaintiff 's creditors. the court held that the Defendants was not free from liability when the credit reports at issue was not accurate. Once inaccuracy was determined, defendant 's agency procedures were not determined to be not reasonable to ensure maximum possible accuracy, pursuant. the consumer was rewarded $ XXXX. 4 ) I am also including in the civil suit CRA 's who you pay to keep these items on my credit both you guys refusal to correct information after I ask in the letter that I wrote them and you the accuracy. This defamation, willful injury. FCRA Section 623 CUSHMAN, v TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220. Extent damages incurred by the wrong party, as deemed by the courts. 5 ) They also fail to tell the following so they have no claim to have me pay this : Show me that you are licensed to collect in my state Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have 2 grievances with Citibank. 

1 ) I applied for a mortgage refinance with a cash-out option at the end of XXXX, with Citibank. I sought an amount of XXXX cash-out on a Single Family Residence ( SFR ) valued at approximately XXXX with an existing loan pay-off of XXXX. XXXX While my estimate of SFR value at the time of the application was XXXX, the difference in the 2 amounts is not at issue here ). 

At issue here is this : Today, XX/XX/XXXX was the first time that I was advised by Citi that the current maximum amount of cash-out during refinancing is {$250000.00} -- which is their a policy that, reportedly, went into effect as a risk management step during the early part of XXXX when COVID-19 became a global pandemic. 

My grievance is that 2 months had gone by since the application was started in XXXX, and at no time was this limit ever disclosed to me until today, XX/XX/XXXX. Furthermore, it is NOT published anywhere on Citi 's public-facing websites or documents provided to me. 


2 ) First point notwithstanding, also today I was advised by receiving a copy of an updated loan estimate, advising me that my loan application would no longer reflect XXXX ( ZERO ) points. Instead, it would reflect 0.625 % points with no written justification! 

I am concerned, and, frankly, baffled how a bank of Citi 's stature can provide a document ( attached 2 versions ) with a silently-updated point value as compared with XX/XX/XXXX XXXX when it had been 0 % ), whilst AT THE SAME TIME act illogically and sow confusion, knowing that their cash-out amount can not exceed XXXX! 

No such limits are published on Citi 's website nor were communicated in any of direct communications to me, the applicant. Being of material nature this information is crucial. Lack of such transparency and failure to make this guideline known has contributed to valuable time being lost by my family in pursuing a seemingly unattainable outcome. 

I am requesting a review of this matter by an unbiased individual ( or group of individuals ). I welcome learnings and feedback if my understanding and expectations have been unreasonable.

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 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have took the time to find a ATM that was not on the Simple Fee Free Map due to get charged repeatedly at a atm that wasn't within there network. I contacted the bank to dispute they dispute it back in XX/XX/2020 and left out details of the ATM being missing. So they come back and say claim is denied and I knew it was because the dispute was never filed properly with the ATM that should of been on the Fee Free Map. So I have to reopen my claim with the real details provided thru Support Message. So they reopened it and still deny the claim after the fact they stated they would dispute due to it being a mistake on there part with the Fee-Free ATM. I been having to use a Fee Related ATM due to this mistake done on there part. Instead they closed my account so they could steal my funds out and lock me out of my card and account. Good thing I had my direct deposits transferred or they would of stole that as well after they did me scandalous regarding my dispute that was a valid dispute. They sent me this " Hello XXXX, This account is pending closure in accordance with Closing Your Account provisions outlined in section 17 of Simples Deposit Account Agreement. https : //www.simple.com/policies/deposit-account-agreement The card and account have been blocked so no further deposits, transactions or transfers can be made. 

Once your account closure is finalized, if the account balance is {$1.00} or greater, the balance will be remitted by check to the address we have on file. If the address needs to be updated, please let us know as soon as possible. Any balance lower than {$1.00} will be forfeited. You will receive a follow up support message once the account closure is completed. '' Which clearly shows that they use a fraud scheme while deciding on my claim!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The company is reporting an account XXXX  XXXX XXXX that displays included in Bankruptcy but there's no open or active Bankruptcy reporting on the credit report! Accurate information must be included on all consumer reports or the file should be deleted immediately! I have previously disputed this account with XXXX  on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. The company has exceeded the 45 calendar and business day timeframe allotted for investigations. Therefore, I am demanding that this item is deleted effective immediately. I will proceed with legal action if the item isn't deleted within 5 business days from the date of this complaint! 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

Accordingly, pursuant to the Fair Credit Reporting Act, please mail a copy of the full printed consumer report to my ONE mailing address that you have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I filed a dispute with XXXX, XXXX, and XXXX  about incorrect items being reported to my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-01-22 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony Bank/TJ Maxx is reporting a 30 day late XX/XX/20 & XX/XX/20. Unfortunately due to the unforeseen events surround the Covid 19 pandemic I was financially impacted. I have been a very loyal customer and have never been late before or after. This was just something that really affected my life as I got XXXX and it took me a while to financially recover. I also found out under the CARE act and the federal mandate creditors are not allowed to file late notations on credit during this pandemic. I ask you please remove these lates from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 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: The Receivable Management Services LLC
State: UT

Complaint narrative:
Receivables Management is reporting an account on my credit file for a debt that has been paid and settled. I recently checked my Credit and noticed this debt was showing. This debt was paid off years ago and they assured me the account would be removed from credit. However 6 years later it's still there. I need them to remove this account immediately. This debt is no longer owed and it needs to be removed from my credit.

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 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I have a collection amount with National Credit Systems in XXXX Georgia. I have written multiple letters and telephoned requesting a statement breaking down the debt, who its from, what is owed etc etc. They refuse to provide me that information.They have also lied to me over the telephone and told me they dont need to provide me any information regarding the debt and that they dont need to work out a payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truthin commerce, so be it, and ; LIST CREDITOR ACCOUNTS HERE : XXXX  XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX 
AMOUNT : {$170.00} DATE : XX/XX/XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX AMOUNT : {$130.00} XX/XX/XXXX XXXX  XXXX  Original Creditor : XXXX XXXX XXXX XX/XX/XXXX AMOUNT : {$93.00} XXXX  Original Creditor : XXXX XX/XX/XXXX AMOUNT : {$550.00} Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX , XXXX is in violation of 15 USC 1692D ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX  XXXX, XXXX XXXX , XXXX is in violation of 15 usc 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX , XXXX is in violation of 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
Navient is not supposed to charge interest, make collections and report to credit reporting agencies any information that jeopardize the student credit. Now Navient is reporting installment behind and pending to XXXX. This situation lower my credit score in a discriminating action for being XXXX. 

They did not do this before and now to add pressure for payment under the new federal government request, they are forcing students to pay by reporting students to credit reporting agencies.

Company response to consumer: Closed with explanation