vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
On XX/XX/XXXX, my Chase Bank account was blocked with a balance of {$2000.00}. That same day, I contacted the bank using the number provided in the app. After verifying my information, they informed me that I needed to visit a branch in person. 

On XX/XX/XXXX, I went to the nearest branch, where the manager assisted me. She took my documents and contacted the banks administrative department. After the call, she informed me that my account had been closed but was not given any reason for the closure. She advised me to wait, as the {$2000.00} would be refunded via check to my home within 10 business days. 

I waited until XX/XX/XXXX and, having not received the check, I contacted the bank again through the same number. I was told that the review had not been completed and that they needed to verify additional information. 

When I asked for the reason behind my account closure, they stated that a check had been deposited into my account, but the name on it did not match mine. 

I explained that the check was mine, the name was correct, and it was clearly legible. However, the representative claimed that the system did not recognize it and that I would need to wait. 

I then went to a branch again to present evidence that all my information was correct, but I was refused assistance. I was told that they could not contact the relevant department because it does not have a phone line. 

Once again, I contacted customer service to explain what appeared to be a mistake on the banks part, but the representative dismissed my concerns. 

Im still waiting for the money back and no one bank support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Property has a qualifier for veterans exemption at a XXXX XXXX  rate. In XXXX I requested to have mortgage payment adjusted due to partial veterans exemption. Freedom mortgage research the issue and stated that they verfied that taxes are correct and there is no exemption. Tax Assesor states on XX/XX/year>, they returned money back to Freedom mortgage as a result of an overpayment in the amount of {$4100.00} to be credited to my Escrow Acccount. My account has NOT been credited. Therefore i unable to enjoy the benefits of the veteran property tax exemption. I have placed several calls to the company and no one seems to know what is going nor do they no where is the {$4100.00} is

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 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a collection letter from LVNV Funding for an alleged debt totaling {$1400.00}. I responded in the allowed 30 day period the FDCPA allows disputing the debt as not mine and requesting a Verification of Debt and a Validation of Debt. A very limited response was received, the absolute bare minimum. I responded requesting a breakdown of my account history going back to a zero balance so I can see what the alleged {$1400.00} was composed of. No response was ever received, no lawsuit was ever filed against me and LVNV Funding Negatively impacted my credit score.

LVNV has been harassing me for 2 years now with a debt that is not mine. I have been asking for 2 years for a breakdown of the alleged debt. LVNV Funding either refuses to provide the information or simply does not have it and is violating debt collection practices by trying to collect on an incorrect debt.

On 2/8/25 I received another collection letter from a new firm attempting to collect the debt for LVNV Funding. Again, LVNV for 2 years has not provided the account statement showing the breakdown of each charge that totals the alleged debt. The debt is not mine and LVNV Funding refuses to leave me alone, has negatively impacted my credit score which has significantly hurt my personal life with this large negative mark on my credit and has not even filed a lawsuit or anything to settle this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report please remove these accounts from my report, they are hurting my ability to obtain 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 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
Account XXXX XXXX Indigo  15Usc1692c ( c ) that the law clearly states if a consumer notifies a debt collector that the consumer refuses to pay debt that the debt collector must cease all communication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions multiple times, Equifax consistently responded within XXXX XXXX stating the account and or information is accurate. They did not provide proof showing a thorough investigation and evidence proven the disputes to be mine. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C XXXXi, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take actions to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigations. 

These are the accounts that I requested an investigation and removal : - XXXX ( XXXX Late Payments - XXXX in XXXX, XXXX in XXXX, XXXX in XXXX, and XXXX in XXXX ) - XXXX ( XXXX Late Payments- all from XXXX ) - Multiple Addresses - XXXXXXXX XXXX  Loan ( Late Payments ) - XXXX XXXX for {$110.00} - Inquiries ( XXXX, XXXX, 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 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I would like to file complaint about the Goldman Sachs Apple Card. 

Because I trust XXXX and was an XXXX  Customer most of my life, from XXXX, I thought their credit card may be helpful.

I understand Goldman Sachs was sued for these credit cards but I am still making a complaint- I even have XXXX in XXXX XXXX. 

It is now Sunday XXXXXXXX XXXX  and I made a payment to this card around XXXXXXXX XXXX  on Friday. It should not take XXXX hours for my payment from XXXX bank to be reflected. 
It takes over XXXX hours for my Debit from XXXX to pay to the Apple Card and for the money to be deducted from my account. 

Seems fraudulent or unnecessarily slow. 

I have other credit cards, understand the terms and APR % XXXX. 

With such great technology on computers and flip homes, XXXX hours+ is too long for a debit card payment to this Apple Card to be taken from my account. 

Summary : I submitted a {$70.00} payment to my Apple Card on Friday. 
Its Sunday afternoon and the {$70.00} has not been deducted from my debit card. 
This lengthy clearance time is making getting the Goldman Sachs and Apple Card seem like a bad decision. The card is also partnered with XXXX. 

I plan to pay my card off and then get rid of it. But I XXXX use the 4.2 % advertised savings, as an emergency fund. But with XXXX hours+ to clear my payment from debit card, I dont trust if I needed to take out, say {$10000.00} from a 4.2 % High Yield Savings Apple Account, for emergency, that it would be disbursed safely or properly within good time. 

XXXX Bank and XXXX I have great respect and good experience with for XXXX years. 

Thank you. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I notice fraudulent accounts on my credit report that I have no knowledge of or consent too in the amount of {$14000.00} I have filed a police report with the local sheriff department for identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
I used them to repair my credit and still nothing I paid repeatedly. They helped me with nothing I sent the letters out myself to the credit collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I used XXXX XXXX from BXXXX XXXX XXXXXXXX to pay {$20000.00} to Citibank for a credit card payment to be posted no later than XXXXXXXX XXXX XXXX. My statement was due on XXXX XXXX. On XXXX XXXX, I noticed that my payment had not yet posted, so I paid {$2000.00} so I wouldnt be charged a late fee. On XXXX XXXX, XXXX XXXX XXXXXXXX and I called Citibank together to determine what happened with the payment since XXXX records showed it was received by Citi. Citi said it was not received and refused to waive interest fees that I accrued from the payment going through. Citi ( on a recorded line ) continued to say it was not their error. Eventually, the XXXX representative said wasnt Citi having XXXX issues at the time in question? Only then did Citi acknowledge that it could have been their error and only then did they say that I MIGHT be able to seek reimbursement if the interest fees I only incurred because their system was down. Citi failed to alert me that their XXXX system was down during the period in which I may have made a payment and failed to admit, until specifically pointed out to them, that their system was having issues. They refused to process the request for a reversal of the interest fees and said I must call back later to make the request AFTER a new payment is made.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX my TransUnion credit score dropped XXXX points from XXXX to XXXX for no discernible reason. All of the major purported reasons for credit score changes, i.e. payment history, credit history length, age of oldest and newest accounts, credit utilization, the average age of all your accounts, and credit mix, either stayed the same or improved. TransUnion would offer me no explanation. their website said they could not respond to issues regarding the actual score and a phone conversation on XX/XX/XXXX provided no information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
Attempted to buy a new XXXX XXXX XXXX XXXX manufactured home from XXXX XXXX XXXX. Gave XXXX $ down and pay XXXX every month. XXXX had a water damaged model on XXXX lot delivered on XX/XX/XXXX without revealing the fact of bad mold and mildew damage. Visited lot XX/XX/XXXX to view new delivered home and observed roof coverings flapping with high winds blowing after XXXX weeks of hard rains. Made mention of fact at that time. Was told it would be addressed by sales XXXX XXXX on a unknowingly water damaged manufactured house XX/XX/XXXX. XXXX delivered home to my property damaged XX/XX/XXXX. The morning of XX/XX/XXXX, the houses XXXX half '' XXXX were put together during the night and closed to my entrence. I was barred from the construction proceedings and viewing access. All permits and inspections were done without my notification and presence. Saw mold myself growing in open joint of doublewide on XX/XX/XXXX and told XXXX, who then covered all doors and windows from outside viewing of interior of damaged. Made aware of delivered water damaged condition with mold and mildew in XX/XX/XXXX. XXXX said if I backed out of deal I would loose my land as well as home. I'm elderly and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX From cashapp to me The statement shows the {$150.00} purchase at XXXX was accidentally returned to your Cash App balance on XX/XX/XXXX at XXXX XXXX  CST. Cash App realized there was an error and deducted the funds from your Cash App balance on XX/XX/XXXX at XXXX XXXX  CST. 
This is what they were telling me, the csv they did send me did not match what my actual cash app said.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
Finance company looked at my credit report when Ive never requested credit/loan Also According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Follow me to learn how to dispute on all three credit bureaus Also Without Permissible 15USC 1681q Under False Pretenses. Bankruptcy Court 's don't verify debt or communicate with CRA. CRA steal info from XXXX. 
Aggravated Identity Theft. 
18USC 1028a ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
Data breach information was shared I got Code verification is being sent to my cell phone number regarding my information Coming from 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Data breach information was shared I got Code verification is being sent to my cell phone number regarding my information Coming from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: WA

Complaint narrative:
I was originally on REPAYE and was switched to XXXX, without my request or consent. Then my loan servicer was switched from XXXX to EdFinancial, again without my request or consent. Since XXXX, I had been working towards Public Loan Service Forgiveness ( PSLF ) but due to the XXXX injunction, my loans were placed in litigation-related forbearance and my payments since XXXX of XXXX have not counted. 

On XX/XX/XXXX I submitted an application to switch repayment plans from XXXX to XXXX, in order to start making XXXX payments again, and to exit the litigation-related forbearance that I was placed in. As of the time of this writing, my application remains unprocessed and I have not been moved from XXXX to XXXX. 

On XX/XX/XXXX I received an email from the US Dept of Ed stating that if my loan servicer was unable to process my application within XXXX business days of receiving my application, I would be moved into a " processing forbearance '' for up to 60 days, during which time spent provides credit toward XXXX. 

On XX/XX/XXXX, I called EdFinancial, my loan servicer, to discuss why my loans were not placed into the XXXX processing forbearance. I was told that I was already in a processing forbearance since XXXX of XXXX due to the XXXX injunction, and that my payments did not count toward XXXX. Furthermore, I was told that on XX/XX/XXXX there was a note in my file to move me into a processing forbearance, but that there was another note cancelling that move because it was a duplicate task since I was already in a processing forbearance. I explained that I was not in the XXXX processing forbearance but rather the litigation-related forbearance, and described the email I received from the Dept of Ed. I was then told that I am in fact in a processing forbearance that is NOT eligible for XXXX, and that I will remain in this PSLF-ineligible forbearance until my application can be processed, which was expected to take at least an additional XXXX business days. 

This information is inaccurate, and I am being blocked by EdFinancial from a ) making XXXX payments on my loans, and b ) earning credit towards XXXX  while working my XXXX job and waiting for them to process my application as specificed by the Dept of Ed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
Credence Resource Management is trying to collect a debt for something that has been paid. XXXX bill I believe. I have disputed it multiple times and nothing is being updated. I have asked for debt verification and received nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally express my concern regarding the unresolved collections on my credit reports with the three major credit bureaus ( Equifax, XXXX XXXX XXXX XXXX. Despite my previous disputes and communications, these negative items remain on my report, significantly impacting my ability to obtain necessary financial services. 

I have submitted multiple dispute letters to the credit bureaus, yet they have failed to remove the incorrect information. Additionally, I have placed a five-year freeze on other credit bureaus, but the disputed items are still being reported. I have also contacted each credit bureau 's fraud department and provided documentation proving the inaccuracies. However, my concerns have not been properly addressed. 

For your reference, I previously filed a dispute with your company under case number XXXX. I have also sent supporting documentation regarding my credit report issues. I kindly request that you take immediate action to correct this matter. 

If this issue is not resolved promptly, I may be left with no choice but to escalate this matter through legal action. Please confirm receipt of this email and provide an update on the steps being taken to remove the disputed collections from my credit reports.

Company response to consumer: Closed with explanation