vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hi, I had tried setting up Auto-pay for our mortgage account ( Loan # XXXX ) back in XX/XX/XXXX with our lender XXXX XXXX  shortly after we came out of our forbearance period. 

Unfortunately, the auto-pay request never fully finalized through their portal, and the lender did not automatically draft XXXXXXXX XXXX mortgage payment. 

Our payment ( s ) were never drafted automatically which I was not aware of, and I am now told XXXX XXXX  reported a 30 day late payment for the month of XXXX to the credit bureau 's without notifying us by phone, e-mail, or mail in advance. The lender sent a notice, but the mailing notice had XXXX addresses listed ( my old address in New York and my current address in South Carolina ), which would not have been properly delivered by USPS. I spoke with a representative from XXXX XXXX  who also confirmed via telephone that the mailing address on the notice was incorrectly labeled and would not have been delivered properly therefore in which we were not notified our account was past due. I only realized our account was past due when I received XXXXXXXX XXXX statement in the mail and I noticed our balance had a carry over from the month before. 

I would like to officially dispute and reverse the 30 day delinquent reporting for the month of XXXX on this account. We've never been late with making a payment to XXXX XXXX  since we've owned the property in XXXX, and this is XXXX of XXXX other loans we currently have where we have never been late or missed a payment with any of our lenders. 

Please let me know what we can do to resolve this matter so our credit is not negatively impacted. 

I appreciate your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: UT

Complaint narrative:
In XXXX of 2022 I switched my cellular phone service from XXXX  to XXXX. XXXX had gone out of business it was now part of XXXX My service was horrible so I switched over. I went into XXXX and cancelled my service. I paid everything I owed them that day in order to make the switch. I never received any bills, emails, or notice of any kind that I owed XXXX  any more money. Last month I traded in my vehicle for another. The dealership checked my credit and said there was a debt I owed XXXX  that had gone into collections. Yesterday my ex wife had a notice of a debt that I owe to XXXX  from receivables performance management , LLC located in XXXX, WA. They claim I owe XXXX  {$400.00}. They gave me a number and said that if I didnt contact them by today they would assume their information is correct. I have tried calling the phone number they provided multiple times and its just a bunch of advertisements for me to decline. Then when I finish listening to 10 minutes worth of ads the robot lady on the phone asks what company Im trying to reach. I say receivables performance management , LLC and she says I dont recognize that company, try calling XXXX. I have called that number and its a company trying to sign me up for direct tv. I have also emailed them at the address they provided and have had no response. I would like them to quit contacting me and to remove this debt from my credit. XXXX no longer exists and I canceled it, as I said, in XXXX of 2022.

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 2022-09-09 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: Credit & Collection Recovery Services, Inc.
State: AL

Complaint narrative:
This information has been incorrect since XXXX please remove the following credit and collections regional paramedic services amount of {$870.00}. I have filed several reports to have this removed from my account. This is A result of identity Theft and it is still on my account I have filed a complaint with the FTC about this matter 3  times now and I am extremely upset that is still reflecting on my account. Another account XXXX  XXXX  for the amount of {$1200.00} has been reporting his XXXX and needs to be removed immediately and result of fraudulent activity and also identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX of XXXX, my husband 's company truck broke down to where it was unusable, which caused a big hit in our finances. He did some odd and end jobs to help pay our bills since I was working part time teaching. 

In spring of XXXX he finally decided to sell his company and apply for other jobs. Several of the jobs that seemed very promising did not end up hiring him. At the end of XXXX my XXXX  job ended, so I was no longer getting paid either. Plus I wouldn't be able to count on going back in the fall because I was XXXX  with our XXXX  child and wouldn't be able to miss that much work once the baby was born. Up until that point I had made it a priority to make the minimum payment on our Chase Freedom credit card even though we were barely able to pay our bills. 

I continued to pay the card through the end of XXXX, even though we had no consistent income still. In XXXX of XXXX I was desperate to get some of the interest lowered or our balance negotiated, as everything I was trying to pay was mostly going towards the interest. I understand that this is how credit cards work, but it was very disheartening, especially because we couldn't afford to pay. 

I called Chase and told them how I had to stop working because I was pregnant and that my husband wasn't working either. They said that they wouldn't work with me until I was behind on my payments, which made no sense to me. I had been faithfully trying to pay the card to not get behind, yet they were telling me nothing could be done unless I was behind. At that point we had to stop paying the card all together because our income was almost non-existent, so of course my credit has taken a bad hit. It was just discouraging to hear that they weren't willing to do anything to help us even after I explained the situation and had been committed to paying month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 2. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.

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 2022-09-09 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had an account with American Express in XXXX delinquent in XXXX the had it in my credit report for 6 years on the seventh year it was sold to a credit collection that I made agreement with and it was paid to the collectors. I disputed some additional fees that the collectors added that I was not notified of. American Express bought back the XXXX that they claim I still owed and put it back on my credit report for the pass 6 months ruining my credit but its shows that the account is closed, this is very unfair it is corporate bully Ive paid over the interest rate more than I owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: VT

Complaint narrative:
On Friday, XX/XX/2022, I tried to access my People 's United account, which was to transition to M & T Bank over the weekend. I could not gain access. I decided to wait until Tuesday, after the three-day holiday weekend, to try. On Tuesday, XX/XX/XXXX, I did gain access to my account, now with M & T Bank, but the one account -- a guardianship account into which my son 's SSDI payment is deposited -- did not appear on the drop-down menu. This made it impossible for me to transfer his SSDI payment to the account from which all his bills are paid. I tried XXXX times before noon on XX/XX/XXXX to reach the bank, but only got a three-second message saying that the bank 's system was overwhelmed and they were unable to help me at this time. The phone then disconnected. 

When I tried again closer to noon, I received a different message from M & T asking for my 10-digit phone number so the bank could reach me in four hours -- the promised wait time. Close to XXXX XXXX  ( more than nine hours later ) I received a call from a telemarketing firm hired to call promised callbacks and apologize. That was it. Just an apology and a phone number to call in the morning. 

First thing Wednesday ( XX/XX/XXXX ) morning, I phoned and got the original three-second message and a disconnect. I tried two more times with the same result. At XXXX XXXX, XX/XX/XXXX I got a different message and was on hold for more than 30 minutes before I had to go to a meeting and hung up. 

I left a message, too, on the " Message '' option on M & T Bank 's webpage for my account on XX/XX/XXXX. As of XX/XX/2022, I have had no response. Finally, my husband went to our local bank branch on Thursday, XX/XX/XXXX, and made the transfer manually.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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:
In XXXX of XXXX I had deposited a check into my chase bank account the funds had went on hold and when they were released in XXXX of XXXX I went to use my debit card and was having issues I then went into a branch where I found out my account was restricted since then Ive been trying to get chase bank to release my funds its now XX/XX/XXXX and I want to now close my account which has become a hassle because they refuse to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
I have an upgrade loan. Every one of my payments has been made on-time through XX/XX/2022. When I went to check on the payoff date the account said delinquent. I also noticed it was marked on my credit report. I was furious. I have emailed the company multiple times with their response being they don't answer inquires through email. I then tried to go make a payment and I am unable to submit a payment. I then tried calling and have been on hold for hours only to be disconnected. 
This is terrible business practice. I believe they are a unscrupulous company and intending for their customers to NEVER payoff their loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In the month of XX/XX/2022 around the beginning of XXXX JP Morgan Chase sent me a notice in the mail that they would be ending my banking relationship with them on XX/XX/2022 however until then I would be able to use and have access to my account. On XX/XX/2022 a client deposited a check into my business banking account with no Morgan chase for {$130000.00} which was placed on a two day hold by the bank so XX/XX/2022 th funds shouldve been available however on XX/XX/XXXX then bank then comes back and say we would like to do an extended hold for an additional 7 days so XX/XX/XXXX the funds would be available. On XX/XX/XXXX th funds were made available in my account and I was able to resume my business with my client in the process of me having access to my funds the bank allowed me to gain access to my funds once I started to handle my business the bank then comes back around XXXX est time on XX/XX/XXXX and said no we are restricting your account no reason just because we can so you can access your funds! This is the 2nd time they have done this to me! I need my money my business have bills, I have family I have bills I cant do nothing to feed my children or myself if the bank just keeps taking from me! This isnt fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Accountname- XXXX XXXX XXXX XXXX XXXXXXXX According to the FCRA the term XXXX investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: LA

Complaint narrative:
My Loan was transferred form XXXX XXXX to Gregory funding on XX/XX/2021 I reached out to Gregory funding several times to send me a detail written explanation of my payoff amount of all XXXX of my mortgages for about eight months they had no record of all XXXX of my loans so I ask to start the loss mitigation process so I complied and sent all requested doc all still they will send me information on my loans individually now they are say my default rate is 14 % and have added {$150000.00} yes XXXX XXXX and XXXX XXXX dollars to my balance with no detail explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hi, I had tried setting up Auto-pay for our mortgage account ( Loan # XXXX ) back in XX/XX/XXXX with our lender XXXX XXXX shortly after we came out of our forbearance period. 

Unfortunately, the auto-pay request never fully finalized through their portal, and the lender did not automatically draft XXXX 's mortgage payment. 

Our payment ( XXXX ) were never drafted automatically which I was not aware of, and I am now told XXXX XXXX reported a 30 day late payment for the month of XXXX to the credit bureau 's without notifying us by phone, e-mail, or mail in advance. The lender sent a notice, but the mailing notice had two addresses listed ( my old address in XXXX XXXX and my current address in XXXX XXXX  ), which would not have been properly delivered by USPS. I spoke with a representative from XXXX XXXX  who also confirmed via telephone that the mailing address on the notice was incorrectly labeled and would not have been delivered properly therefore in which we were not notified our account was past due. I only realized our account was past due when I received XXXX 's statement in the mail and I noticed our balance had a carry over from the month before. 

I would like to officially dispute and reverse the 30 day delinquent reporting for the month of XXXX on this account. We've never been late with making a payment to XXXX XXXX since we've owned the property in XXXX, and this is XXXX of  XXXX other loans we currently have where we have never been late or missed a payment with any of our lenders. 

Please let me know what we can do to resolve this matter so our credit is not negatively impacted. 

I appreciate your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hi, I had tried setting up Auto-pay for our mortgage account ( Loan # XXXX ) back in XX/XX/XXXX with our lender XXXXXXXX XXXX shortly after we came out of our forbearance period. 

Unfortunately, the auto-pay request never fully finalized through their portal, and the lender did not automatically draft XXXX 's mortgage payment. 

Our payment ( XXXX ) were never drafted automatically which I was not aware of, and I am now told XXXXXXXX XXXX reported a 30 day late payment for the month of XXXX to the credit bureau 's without notifying us by phone, e-mail, or mail in advance. The lender sent a notice, but the mailing notice had two addresses listed ( my old address in XXXX XXXX and my current address in XXXX XXXX ), which would not have been properly delivered by USPS. I spoke with a representative from XXXXXXXX XXXX  who also confirmed via telephone that the mailing address on the notice was incorrectly labeled and would not have been delivered properly therefore in which we were not notified our account was past due. I only realized our account was past due when I received XXXX 's statement in the mail and I noticed our balance had a carry over from the month before. 

I would like to officially dispute and reverse the 30 day delinquent reporting for the month of XXXX on this account. We've never been late with making a payment to XXXXXXXX XXXX  since we've owned the property in XXXX, and this is XXXX of XXXX other loans we currently have where we have never been late or missed a payment with any of our lenders. 

Please let me know what we can do to resolve this matter so our credit is not negatively impacted. 

I appreciate your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Credit Karma, LLC
State: FL

Complaint narrative:
I am a victim of the very blatant and misleading practices of " Credit Karma ''. 
On multiple occasions I was lied to and told I was 'pre-approved ' for both credit cards and personal loans. I applied and completely waisted my precious time as " credit karma '' mislead me into thinking I was pre-approved when in fact I was not. 
And to add salt to my injury, after being denied my credit score dropped by more then XXXX points!!!

Company response to consumer: Closed with explanation