vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX chase closed my account because they deemed it to risky, which is their right to. On XX/XX/XXXX my paycheck hit the account and its still sitting there. It is now XX/XX/XXXX and they have refused to give me access or to send me a check for the remaining balance. Which totals over XXXX. I have now been without money for almost 2 week because theyre holding my money hostage. My rent is late now, and now all of my bills have late fees because they wont give me my money. I need the government to step in and force them to at the very least send me a check for whats left.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I made the final payment electronically, for the outstanding amount ( balance ) due on my credit card account. Once that payment cleared my bank account, I wrote a letter requesting that my XXXX balance Sears/Citibank credit card be closed, effective as of the date of receipt of the letter. 

The letter was mailed certified, return receipt reqested ( U.S Postal Certified receipt-artical # XXXX XXXX XXXX XXXX XXXX ). Bar code # XXXX XXXX XXXX XXXX XXXX XXXX ). The returned receipt vertifying that the letter requesting my account closure was received. 

Approximately, three weeks later, I received a statement showing a XXXX balance, in my account along with a New credit card. I have not activated the card, nor do I intend to do so. I am requesting that the FTC-Consumer Finance Agency/department assists me in getting Sears/Citibank to close my credit card account as per my request.

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 2021-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Reliant Capital Solutions, LLC
State: MD

Complaint narrative:
In XX/XX/XXXX I began the mortgage process. i found a home in XX/XX/XXXX and was just advised by my lender that in the XXXX XXXX reporting system there is a notation that i currently ow a student loan from XXXX. US DEPT OF ED is NOT reporting on my credit report and has NEVER made me aware of the debt. I called them and was given the number XXXX NO ANSWER but i was transferred to XXXX XXXXl ( think thats the name ) to see about the debt. The total is {$4100.00}. They offered me a 9 month rehab plan BUT that is way too late for me to complete this mortgage settlement. I asked if i could settle or pay a certain portion to bring the account out of collections and the answer was no.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Moiharwin Diverisfied Corporation
State: NV

Complaint narrative:
This company contacted me XX/XX/21 at XXXX from XXXX ( XXXX ) XXXX. The representative addressed me by my first name and did not verify any information before disclosing any potential debt. She stated she is calling about the debt owed to XXXX XXXX XXXX XXXX Nevada. I stated that I owe no such debt and to mail a verification letter to my mailing address. The representative accused me of owing the debt and stated the debt has been verified. I disconnected the call. 
This representative is pursuing me for a debt I 1 ) do not owe and 2 ) didnt have my complete identity to disclose the nature of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: FL

Complaint narrative:
I have sent numerous complaints to CFPB in reference to Transunion. I am a victim of identity theft. Its not fair to me that I have to suffer because of errors

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 2021-10-14 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: NCB Management Services Inc.
State: GA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
After I filed my second complaint, XXXX reported my loan as delinquent. I was in forbearance, and I just received my loan modification documents and sent them off within a week. Now my credit is messed up. I'm getting the runaround from their call center.

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 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
I applied for a Forbearance under the Care Act & was granted 5 Months at the time of applying my Monthly payment was {$2000.00} & after the end of the Forbearance, I requested an extension & was denied by my Servicer, Which is a blatant violation of the Care Act, Claiming that an extension is not allowed, But the Federal Government made it obvious that an extension of the Forbearance was allowed, They insisted on giving me a Modification in the sum of {$2700.00}, The modification amount would make it unaffordable for me. I kept insisting on the Forbearance extension which I was entitled to as per the U.S treasury Dept under the Cares Act as passed by Congress, The constant threat when I called to let them know I will not accept the Illegal modification amount was unbearable for me. They then sent me yet another Modification agreement stating that my new payment would be {$4600.00} for 3 months I refused to accept the increased amount, I informed them that under the Cares Act the amount I owe per the Forbearance must be added to the back of the Loan, they are refusing to accept the directives of the Federal Government & has insisted that I must accept their Modification in spite of the fact its without merits & violate the Federal Regulations under the Care Act, Which allows me to have the amount added to the Back of the Loan & then I would continue to pay my original Mortgage payment prior to accepting the Forbearance, They are not aware of the details of the Care Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
1 ) All 3 bureaus maintain secret remarks not accessible to the consumers. 2 ) These secret remarks refer to the consumer rights to dispute the transactions with the vendor. 3 ) These remarks have an adverse effect on my ability to obtain mortgage loan on favorable terms. 4 ) The credit agencies can not and do not inform the consumer as to the specific issue of the dispute. 5 ) The credit agencies are reporting information to the lender more than 7 years old. Furthermore, there was a XXXX unpaid balance in one case and in another case the XXXX XXXX fully refunded the charge to the consumer. Yet, these remarks remain and impair my credit. All three credit bureaus report no other negative comments. XXXX gives me a credit score of XXXX. After considerable efforts the consumer contacted all credit bureaus, each and everyone verbally informed me they would expunge the record. Two claim to do it immediately as I was on the telephone with them. After several days, I received a report from my lender that no changes were made to the credit report that the lender received from the credit bureaus. A copy of which is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: NC

Complaint narrative:
The company did a skip trace without needing it and called my ex husband, whom I have an injunction against. This company claims to not have a valid phone number for me. I have had the same cell phone number since XXXX and the same work number since XXXX. I told them that they might of dialed a wrong number by accident and they refused to take accountability. My cell phone hasnt been disconnected and no one uses it but me. Also they never attempted to contact me by mail. Doing a skip trace for an account that wasnt even 30 days past due is going to far. Also contacting someone I have XXXX  in XXXX makes no sense to me. This violates my privacy, they told him I was late with my payment. What makes me more upset is that they are blaming me when Ive done nothing wrong. I do not want them to ever call that man again. And before skip tracing me, they should at least contact me by mail. Dont you think?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
the Following inquiries are fraudulent and authorized inquiries I WANT THEM BLOCKED AND REMOVED FROM MY PROFILE XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I went under the covid-19 forbearance assistance program Made faithful half payments while under. Now need to down size into a smaller home. So getting out from under back to making regular mortgage payments. But was never told the EXTREME negative if go under this program. When started to down size I found this EXTREME negative. For can not get approved for a smaller down size home. 
Everything approved GREEN LIGHT RED LIGHT is this covid-19 forbearance assistance program and since going out from under and did not abuse program Should not be stopping from down sizing into a smaller home

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 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Theft Report in the attachments. 

I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 


Account name XXXX XXXX XXXX Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should 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 explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Theft Report in the attachments. 

I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 


Account name COMMONWEALTH FINANCIAL SYSTEMS Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Hi. 
I was reported by Chrysler Capital 30 days late for XX/XX/ and XX/XX/XXXX Im XXXX XXXX and my business was closed due to government order for pandemic. My XXXX was closed for XXXX, XXXX, XX/XX/. I called Chrysler and ask them to defer the payments around XXXX, and they were ok with that but still they reported me. This was during middle of pandemic and im requesting help to remove this late payment from my credit report. We are back to business now and still trying to survive.Its affecting my score drastically for any kind of loan applicaion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: RateGenius Loan Services Inc
State: CA

Complaint narrative:
I used RateGenius to refinance my auto loan in XX/XX/2021 and the loan was funded on XX/XX/2021. RateGenius Application # XXXX. 
However, they have not made the title transfer fees to XXXX  until XX/XX/2021. 

I found out there are unpaid fees from DMV and multiple lienholders on my vehicle because I was attempted to sell the vehicle in XX/XX/2021. I have tried to reach out RateGenius and XXXX XXXX. However, my concern was passing in between Customer Service and Title Department and the Department that I have no idea why I got transferred to. End up I got reached out because I posted my negative reviews. 
Then RateGenius trying to blame all the mistakes because of the DMV 's behind and COVID. 
It causes unnecessary expenses to maintain the loan. Such as interest, insurance, and multiple DMV visits. 

XXXX XXXX is been very helpful to address the issue but not RateGenius. 

I m not sure does these Online Agencies do manage by CFPB. 

**email history attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Consumer Portfolio Services, Inc.
State: AK

Complaint narrative:
I have inquiries on my credit report that weren't made by me. I don't have these accounts and haven't applied for the accounts. I believe they were made by an ex husband who was using my information to try and obtain a vehicle loan because the same items are repeated on multiple reports. The point being someone, not me has access to my information and has unauthorized access and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: NJ

Complaint narrative:
These accounts on my Equifax report are inaccurate and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi. 
I was reported by XXXX XXXX 30 days late for XX/XX/ and XX/XX/. Im XXXX XXXX and my business was closed due to government order for pandemic. My XXXX  was closed for XXXX, XXXX, XX/XX/ XXXX I called XXXX and ask them to defer the payments around XXXX, and they were ok with that but still they reported me. This was during middle of pandemic and im requesting help to remove this late payment from my credit report. We are back to business now and still trying to survive.Its affecting my score drastically for any kind of loan applicaion

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 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In a notice letter dated XX/XX/2021, I, XXXX XXXX XXXX, ( a " consumer '' ), did hereby provide written notice to EQUIFAX INFORMATION SERVICES, LLC ( a " consumer reporting agency '' ) of a violation of my rights as defined by U.S.C. Title 15, Chapter 41, Subchapter III 1681b with written instruction to delete specific inaccurate and unlawful data furnished to my consumer report. The notice letter was sent via certified mail with confirmed receipt and courtesy copies provided via email to Equifax 's executive staff members with facts and law. As of today, XX/XX/2021, I have confirmed Equifax has not adhered to my written instruction and continues to furnish the data specified as impermissible to my consumer report. The Office of the Law Revision Counsel of the U.S. House of Representatives publishes and prepares the United States Code pursuant to Title 2, Section 285 and publicly furnishes U.S.C. TITLE 15, CHAPTER 41, SUBCHAPTER III, 1681b of Permissible purposes of consumer reports at us.house.gov where it clearly states ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
PLEASE NOTE : I am a consumer making this statement on my behalf and I am not using any third-party agencies to assist with this matter. I am asserting my rights in accordance to 16 C.F.R. 433.1-2.

I, the consumer is in receipt of documentary evidence that on multiple occurrences the company in question has violated my right to privacy and has stolen my personal and private valued consumer data. 

In accordance to 16 C.F.R. 603.2 ( a-b ( 1 ) ) Identity Thief is ( a ) The term identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
( b ) The term identifying information means any name or number that may be used, alone or in conjunction with any other information, to identify a specific person, including any ( 1 ) Name, social security number, date of birth, official State or government issued drivers license or identification number, alien registration number, government passport number, employer or taxpayer identification number ; PLEASE SEE ATTACHED EXHIBITS A : 1/5 & B The unauthorized use of my personal and private valued consumer data has been used by the company, through the use of the postal service to communicate unsolicited credit card offers violating 15 U.S. Code 78j Manipulative and Deceptive Devices, 15 U. S. Code 1692e False and Misleading Representations, 18 U.S. Code 1341 Frauds and swindles, 18 U. S. Code 1028 Fraud and Related Activity in Connection with Identification Documents. 
PLEASE SEE ATTACHED EXHIBIT A : 2-3/5 The company in question has sent unsolicited deceptive instruments that lack full disclosure and are in violation of 42 CFR 1001.1101 and fails to disclose the calculation of the finance charges and/or annual percentage rates in accordance to 15 U.S. Code 1605 PLEASE SEE ATTACHED EXHIBT A : 4-5/5 I, the consumer did not authorize or consent to my personal and private valued consumer data to be used by the company in question for solicitation or advertisement purposes. I have not given the company in question any written or verbal consents to be contacted. The company in question is in violation of 18 U.S. Code 1028A Aggravated identity theft and 15 U. S. Code 1611 ( 1 ) - Criminal liability for willful and knowing violation by furnishing multiple unsolicited documents. 
PLEASE SEE ATTACHED EXHIBTS A & B NOTICE : PLEASE CONSTITUE THIS COMPLAINT AS A NOTICE OF INTENT TO SUE WITHOUT RECOURSE U.C.C. 1-308/1-207

Company response to consumer: Closed with non-monetary relief