vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have been having trouble documenting all of what happened within the 30 minute allotted time and also submitting this because i is deleting the whole thing. 
Briefly : chase bank has changed in such a way that it is not providing information or support to their customers despite many attempts. They have persons that do not have a clue as to how to help anyone beyond the information that I could glean from the website and XXXX. It cost me a lot of money, time and emotional distress and damage to mine and my daughters credit rating and resulted in a snow ball effect that I am still dealing with. I got sick. I am the only person who does the bills. I was convinced by companies to do the automatic payments on everything some even required this. I used designated accounts for this purpose to try to keep it all straight. An error of some sort created a domino effect. I transferred money from an outside account and it took about 14 days to clear. This caused items to be returned and fees attached and I was not aware of this for sometime. When I figured out what happened I attempted to go to the bank. No one was available to help and I was directed to the 800 number and/or their app. After many many many attempts and this happening in months of issues and being transferred to hold department and speaking with them and being told that the 12-14 day hold was everything to do with XX/XX/11 up to being policy to nothing was on hold at that moment and they could not help without something being on hold and 5 trips to the bank. Numerous emails that were rude and flippant and condescending. With we are processing your quick deposit enlisting the other bank to call them directly to explain things and to see how we could speed up this process. I finally learned from yet another bank that I could link the accounts thus avoiding this whole mess. They also returned items presented after the deposit where they could see there was funds. They never made any of the amount deposited available and our credit cards that are chase or synchrony owned by chase were canceled and fees on top of fees on top of fees. Our credit is ruined and now that I am a little better I am trying to fix it. I have called all of them many times and tried to even have them accept part of the money and I would continue payments. I have continued to pay all this time. On top of that they didnt return a XXXX dollar charge that was XXXX suspicious and there was no funds for. I have all documentation to support all of this so do they!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm Inc. has reported 13 loans delinquent and I do no recognize any of them. I contacted Affirm on XX/XX/XXXX  and advised affirm that my identity must have been stolen. I escalated and asked that they remove the delinquent reporting. Affirm indicated that this is indeed my account and they will not be able to do anything and they will continue to report on my account. I then asked Affirm can I just make a payment plan. Affirm reps indicated that they can not help or have me make any payment and they will just continue to report to the credit bureau despite me asking for help. This has prevented me from purchasing a home. I do not recognize any of this and asked for help. Affirm refused and I do not have access to make a payment on the website after I created an account to have a payment made. The accounts are listed as charged off but When I call Affirm, they state that they can not help me at all. I called once again on XXXXXXXX  and tried again to pay and they stated that they can not help me at all. I need this company to remove these debts and try to do right by me. I spoke with supervisor XXXX XXXX and he stated that he will put in a request to verify the fraudulent activity but there is nothing that can be done as this does not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
We've contacted roundpoint mortgage for over a year about removing our PMI. We've sent them forms and emails multiple times via the postal service and email and the refuse to help us and keep giving us excuses about why they can't remove PMI because they haven't gotten the forms or emails.

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 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I asked M & T Bank to close my personal checking account. However, M & T Bank said I must physically visit a branch to close the account. This was, and still is, impractical for me because I moved to a state, California, which has no M & T branch locations. The closest branch is roughly XXXX miles away in West Virginia. Today is XX/XX/XXXX and for 476 days, I have been unable to close my account and withdraw the remaining {$750.00} balance.

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 2023-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: CO

Complaint narrative:
I had sent an email on XX/XX/XXXX asking if there was a way to lower the payments or settle for a less amount on this account. I did not receive a response so on XX/XX/XXXX I reached out to XXXX XXXX ( FCI Lenders ) to speak with XXXX XXXX regarding my account. He had stated he did not see my email. I have voiced my concerns many times before this interaction that the agreement that I had to enter to save my home from foreclosure before was not feasible for me as they were going off income from a year that a job I had paid a large bonus out for me staying on thru the closure. My payments went from {$210.00} to {$350.00}. I have been behind pretty much the entire time as this loan was initially obtained in XXXX when they were allowing subprime loans. This is the only 2nd mortgage company that has not been willing to work with me and the only one who went the opposite direction with the payments they went up instead of down. When voicing my concerns XXXX XXXX XXXX, his only solution is that I need to pay what is owed. I have been told there is no other option for me. In XXXX they were willing to take $ XXXX to settle the loan. At that time I could not come up with the XXXX XXXX. They rolled the unpaid interest and the unpaid principle into another loan which in the end is costing me a minumin on $ XXXX more. When I asked XXXX why they were the only mortgage company charging late fees during covid he stated it was because they do no get the kick backs from the government. Seriously? The way he talks to me is very condesending he is not empathic to anything his only concern clearly is that they make the most money they can. He stated the only way I could get a settlement was if I was a year behind which would not happen before foreclosure set in as they have already served me and charged me legal fees twice for foreclosure proceedings. It was stated to me that this mortgage is just like the 1st mortgage and when he asked me to call and see if my 1st would take a settlement I advise they are offering me a modification. This is not a company that is here to help anyone but there bottom line. I wish when they did my loan tranfsfer from the original lender it was a different company or an option to roll it in the 1st. It has been a nightmare trying to come to a solution or getting any kind of options.

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 2023-04-13 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: MD

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 : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX  # XXXX, Account Name XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX XXXX Account Name : XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, : Public Record XXXX XXXX XXXX Bankruptcy # 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 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 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 2023-04-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-13 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I ask in the name of XXXX XXXX, I pray Santander Consumer USA , Inc., act in good faith and do NOT discriminate. See attachments. XXXX XXXX All Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: PA

Complaint narrative:
I have a charged off account reporting to all thr CRA with eith no date of last payment and no payment History leading to charge off being reported I have disputed this several times as well as provided additional documentation regading this account to only have the account update and verify with no changes being made to report. The account has never reprted a date of last payment or DOLA date they are going by the date the account charged off. the law states that no later that 90 days after reporting a charge off the furnisher must provide the month and year of the commencment of the delinquency on the account that immediately preceded the action. This account has not done that and should be deleted from my credit report.

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 2023-04-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a charged off account reporting to all thr CRA with eith no date of last payment and no payment History leading to charge off being reported I have disputed this several times as well as provided additional documentation regading this account to only have the account update and verify with no changes being made to report. The account has never reprted a date of last payment or DOLA date they are going by the date the account charged off. the law states that no later that 90 days after reporting a charge off the furnisher must provide the month and year of the commencment of the delinquency on the account that immediately preceded the action. This account has not done that and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I noticed my account was recently closed with no explanation. I Make all my payments on time and been a valued customer for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Equal Credit Opportunity Act ( ECOA ). These inaccuracies have caused significant financial harm to me, as well as unnecessary emotional distress. 

Firstly, my correct name is XXXX XXXX, but the credit bureaus are reporting it as XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

Secondly, the credit bureaus are reporting multiple inaccurate addresses that do not reflect my current address, including XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XX/XX/2022 ), XXXX XXXX XXXX XXXX XXXX XXXX Long Beach XXXX CA XXXX ( XX/XX/2022 ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports, and Section 1681g, which requires credit reporting agencies to disclose all addresses that have been reported by furnishers of information within the past two years, but they must also identify the current address of the consumer based on information that is available to them. 

Furthermore, the credit bureaus are reporting incorrect employment information, listing my employer as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, CA, and XXXX XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports.

These inaccuracies have caused significant financial harm to me, as well as emotional distress. They have led to me being denied credit and higher interest rates, making it difficult to secure a loan for a new car, rent an apartment, and obtain credit cards with reasonable terms.

Therefore, I request that the creditor remove these unverified accounts from my credit report and take appropriate actions to ensure that my credit report is accurate. I also request that you enforce the laws that have been violated, including the FCRA, FACTA, and ECOA, to prevent this from happening to me or anyone else in the future.

Thank you for 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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Equal Credit Opportunity Act ( ECOA ). These inaccuracies have caused significant financial harm to me, as well as unnecessary emotional distress. 

Firstly, my correct name is XXXX XXXX, but the credit bureaus are reporting it as XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

Secondly, the credit bureaus are reporting multiple inaccurate addresses that do not reflect my current address, including XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XX/XX/2022 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XX/XX/2022 ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports, and Section 1681g, which requires credit reporting agencies to disclose all addresses that have been reported by furnishers of information within the past two years, but they must also identify the current address of the consumer based on information that is available to them. 

Furthermore, the credit bureaus are reporting incorrect employment information, listing my employer as XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX  XXXX, CA, and XXXX XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

These inaccuracies have caused significant financial harm to me, as well as emotional distress. They have led to me being denied credit and higher interest rates, making it difficult to secure a loan for a new car, rent an apartment, and obtain credit cards with reasonable terms. 

Therefore, I request that the creditor remove these unverified accounts from my credit report and take appropriate actions to ensure that my credit report is accurate. I also request that you enforce the laws that have been violated, including the FCRA, FACTA, and ECOA, to prevent this from happening to me or anyone else in the future. 

Thank you for 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 explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I looked on my credit report and seen this company i never even hear of on my report and requested a DEBT VALIDATION!!!!! these are the documentations I need. 
validation of the debt complies with the following stipulations. 
1. Documentary and evidentiary proof to claimant. 
2.in according with the fair debt Collection Practices Act ( 15 USC 1692 et seq ) provide Verification of the debt. as being true and correct, and authentic, sworn by oath or affirmation with wet -ink signature signed under the penalty of perjury or provide a copy of a judgment, sworn by wet ink signature signed under penalty of perjury that the forgoing is true and accurate copy of the original recorded with appropriate public and government offices against climate. 
3.produces all relative commercial instruments, including but not limited to applications, assigns, agreements. and /or contracts which contain exchange of benefit9s0 or contain the verified signature of claimant.

4.provides, verified copies of assigns, negotiations securities and /retransfers of rights, tittles ( s ) and /or interest ( s ) and the like, sworn by wet ink signature signed under the penalty of perjury that the foregoing copies is true correct, and not misleading which unambiguously delineates that NELNET is the current owner, assignee, holder, holder in due course and /or entitlement holder of the alleged debt including all supporting documentary evidence as proof.

5.produce all relative commercial instruments and/or notices, declarations, publications which clearly and unambiguously delineate that claimant, was fully and completely apprised of all rights . duties, obligations, liabilities cost, fees, in advance or subsequent to the alleged incurrence of alleged debt, and where there has been full disclosure of all relevant terms and conditions.

Company response to consumer: Closed with explanation