vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
We are in desperate need of your assistance. Our mortgage company Carrington Mortgage Services , LLC . By and through their third party affiliate company keeps harassing us about insurance we have. 

To begin, we received a letter from them dated XX/XX/2022. In that letter, they tell us we have no insurance and that they are going to take coverage out on our home for an exorbitant amount of money. We informed them that we have had coverage for the past 2 years, of which we make our payments directly to the insurance company. Also, we were informed by the previous mortgage that a reduction to our monthly payment was in order and that would be done by the new mortgage company Carrington. As they sold the debt to them. 

After informing them of the facts stated earlier, they still persisted and required another copy of our insurance deck paper. Citing they never received one from the insurance company. We knew that to be false because they forwarded us a postcard acknowledging receipt of the policy. However, we contacted our insurance agent and she promptly forwarded the information. 

Believing the matter was resolved. Our insurance agent received another phone call on a different day requesting more documentation that the policy was in effect. Carringtons third party agent was requesting personal information, and the agent referred them back to us. After a call to us, they demanded to see the invoice of payment made. They asked the insurance company if we still owed any money or had missed a payment. They wanted to make that payment on our behalf, but they were informed that the policy was paid in full and had been paid in full for the past year as well. 

In closing, our issue is, the mortgage company is attempting to force us to take their insurance and raise our monthly payments, when they are refusing to lower our payments due to credits back to us for carrying our own policy. We need our credit for lowering our monthly payment down immediately and the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC

Complaint narrative:
I've been receiving late fees from Infiniti Financial Services for well over a year without my knowledge. Since I financed this car on XX/XX/21, my loan account has been set up with an automatic payment of {$590.00}. An XXXX agent recently informed me that I'm almost {$1500.00} in arrears. When I pressed him for further information, he said that although they had been collecting monthly payments, they had been applying them to the prior month and charging late fees because my first payment had been rejected. I questioned why they didn't simply notify me of these difficulties back then via phone, email, or mail so I could confirm the payment as opposed to allowing fees to accumulate over a year. What dates did you, XXXX, send any late correspondence, I then asked? Who gave you, IXXXX permission to simply use my monthly payments for the prior month without notifying me? XXXX 's representative accused me of neglecting to check my online account more frequently. Why would I research something when I already know I'm making monthly payments through my bank? 

As it turns out, my bank account balance was more than sufficient to make the first payment and wasn't in default back then and still in current. Attached is my XXXX statements that shows I paid the initial XXXX payment early on XX/XX/21. ( I wasnt sure of the exact amount so I rounded it off to {$590.00} ) Then paid XXXX shortly thereafter on XX/XX/21, in the exact amount of {$590.00}, still with ample enough money in account to cover the full amount. 

With so many unfair, fraudulent late fees, my credit score has plummeted, and XXXX isn't doing anything to help me resolve the problem that they deliberately caused. Due to their lack of accountability and communication, my credit is severely damaged with the three ( 3 ) bureaus and now, I no longer want this vehicle. Please assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: CA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXX have 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 explanation
Consumer complaint received 2022-11-22 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, has violated my rights. 

Pursuant to 15 USC 1681 Section 602 it states I have a right to privacy.

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

Pursuant to 15 USC 1681A- Definitions ; Rules of Construction- Exclusion.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer in the person making the report ; To conclude, pursuant to 15 USC 1666b a creditor mean not treat a payment on a credit card account under an open in 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 explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been the victim of fraud and Chase bank refuses to do anything about it. I am currently out of more than {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
CFPB THIS IS NOT A DUPLCATE ACCOUNT. THIS IS ACCT NUMBER 3 UNDER THE SAME AGENCY. I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX  CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED BR BECAUS OF THE FRAUD. YOUR COMPANY FILED A XXXX  CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR BR OFFICE. THIS CONSTITUTES BR FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH, THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH BR DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION. 

WHO SO IRONIC IT APPEARS XXXX XXXX XXXX LOCATED IN XXXX XXXX  GRADUATED FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALSO GRADUATED FOR THE UNIVERSITY XXXX XXXX  XXXX XXXX. THIS IS NOT IRONIC. CAN YOU SAY POSSIBLE THEFT, THE XXXX  XXXX TRUSTEE IS THE ATTACHED TO THIS MESS, YES THE MONEY WA STOLEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD BANK USA/TARGET C XXXX was opened on XX/XX/2022, with a balance of $ XXXX dont know this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right and I did not Equifax the written pre mission to furnish these accounts. 

Accounts listed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have customized cash rewards credit card with Bank of America. My statement cycle ends on XXXX of every month. 

I made a purchase with my credit card on XXXX XX/XX/2022, at XXXX. In the statement I received on XXXX XX/XX/2022. I was charged interest. 

I reached out to Bank of America credit card customer service. They didn't provide me proper information on why I was charged interest. That too before the statement closing date. Also rudely disconnected my call on XXXX XX/XX/2022 when I asked them information on how the interest was calculated. They failed to provide the 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 monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: FL

Complaint narrative:
I am a natural person, I am a living human being, I have a rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a Paypal credit account with the email address XXXX -- which is how XXXX ( Synchrony Bank ) identifies my account. I had set up a payment for XXXX XXXX, of {$77.00} -- but for some reason, the bank had no record of it, so I redid the payment on XXXX XXXX -- but had already been charged a late fee of {$30.00}. I called them to ask them to waive the late fee -- the customer service rep stated he would but I would still need to pay it and it would be adjusted the next month -- but I told him I'm a senior and on a fixed income and I could only make the normal payment and he agreed that it would be adjusted later and I would get a new minimum payment in 24-48 hours and he would make a note not to charge me a late fee. But what he didn't tell me was that he took the late fee off my balance and not off my minimum payment. So in XXXX, I made a payment of {$76.00}, my regular payment. Then I see that today, XX/XX/2022 the bank shows a past due amount of {$140.00} -- in addition to the {$76.00} I paid on XX/XX/2022 -- which was on time and on the date due. They had added another late fee. I called and they agreed to waive {$41.00} late fee -- so now I owe {$110.00}, instead of {$89.00} -- I guess because they seem to be adding more late fees. Although this payment isn't due until XX/XX/XXXX, it shows past due, which it shouldn't. After the representative finally agreed to deduct the {$41.00} from the minimum payment, ( though even now, the site is still stating that I'm past due ), I asked to speak to a supervisor about the {$30.00} late fee. Because I complained that the rep in XXXX did not tell me that he had subtracted the {$30.00} from my balance rather than deducting it from my minimum payment -- possibly due to the agent not having a command of XXXX because he is in a foreign country, or because he just was lying to me, I got transferred to someone in the U.S. who was not a supervisor and who accused me of disparaging the original rep 's race -- which I wasn't. I explained I wanted the {$30.00} deducted from the minimum payment, he said that they couldn't do that and even if the rep stated the {$41.00} could be deducted from the minimum payment there was no guarantee that it would. And I asked to have a supervisor call me and he said they were busy and they'd only call me back if they thought they could do something about this. I want my {$30.00} late fee deducted from my minimum payment as promised by the first rep

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 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Please be advised, on Tuesday, XX/XX/XXXX around XXXX XXXX The Chase Bank Agent, XXXX XXXX stole my check number # XXXX XXXX, Amount {$2.00} XXXX. On Friday, XXXX XXXX, I reached the Chase Bank located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY-XXXX due to the fact I reported above. Unfortunately, XXXX XXXX XXXX denied and his Supervisor call the XXXX Police Officers who said that the Supervisor did like to see me around the Chase Bank meanwhile I am a Chase Bank customer since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Grant and Mercantile Agency are sending me letters on XX/XX/2022 saying I owe them {$140.00} because of interest charges when I had already paid off what I collected months prior on their app called XXXX. Ive been disputing them and showing I paid on time ( despite them trying to take money unauthorized out of my bank account at XXXX ), but they are now sending me letters saying I owe a completely ridiculous amount for interest. I looked online to check my credit from a link given to me from my bank and the XXXX XXXX said they would be cleared from my credit report but they keep popping up every time I get them cleared and sent me the letter two days after I got them cleared. I did further research and found out other people have also had an issue with them and have been scammed out of thousands because this company makes up random absurd expenses and tries to force you to pay them on their sketchy website. I called and no one answered as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a 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 explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/XXXX I attempted to change my telephone number with Chime via Chime app. I could not. I opened a live chat within the app for assistance. The representative requested documents that I sent within the app. After receiving the information the representative stop responding. I ended the chat then called Customer Service. While on hold I received an alert stating suspicious actions and my account was suspended. I've submitted 3x all requested information, As of this writing ( XX/XX/XXXX ) my account continued to be inaccessible even after submitting proof of ownership. They refuse to close the account and send my money. 

Your assistance in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was receiving a payment for a model I was selling and the payment was sent thru Zelle. I recieved an email stating I need to upgrade my account to a business account and needed to reimburse the sender of the funds. This happened a few times leaving me with very low funds in my account. Amount lost {$1100.00} Problem # XXXX I was purchasing some good electronics, the person asked for more money to pay for the shipping and insurance, I sent more funds to help them out. Again funds were sent thru Zelle  Amount lost {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
On XX/XX/2022, I was logged out of my device 's " Current '' app. I tried logging back in using the phone number and received a code instantly after entering my phone number. However, the app refused to identify the code. It kept yielding an error " The verification code looks wrong. Try again. '' I hit " Resend '' for another verification code and receive a new one, but the app still refuses to identify the codes.

I file a complaint hoping for a response within 24hours ( as mentioned on your website ) but didn't receive a response at all until XXXX XX/XX/2022. At this point, I uninstall the app and reinstall it on my phone but kept receiving the same error. I even tried logging in from another device but that also didn't work. The only update I received on XXXX was that the issue will be raised to the technical team for review. 

As of XXXX XX/XX/2022, the one representative that reached out mentioned that I should try logging in with another device. I have heard back a total of 3 times from the " Current '' support team within 7 days. I asked them to provide me a phone number so that I can talk to a representative but they still haven't got back. Since I can not access my account I can not access funds amounting to XXXX $ that I urgently need. Neither am I able to use my own funds nor am I able to get in touch with someone who can actually help me solve this issue. I dont even have a way to make sure all my funds are intact and there havent been any fraud transactions on the account. I havent done any transactions myself so Im hoping all my my funds are still in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: ENCORE CAPITAL GROUP INC.
State: FL

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. 

Account name : Midland Credit Management # XXXX XXXX {$3200.00}, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation