vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank billed me for a credit card and then they decided to not inform me of the payment being due or late. I previously would just pay every month but did not check the account over the holidays. The payment was made in full, the account was updated and then the account was once again showing this as a missed payment. This was in error and needs to be fixed, the company would not allow me to state my case to the credit department despite being on current and historical good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bastion Consumer Funding I, LLC
State: TX

Complaint narrative:
Company ( XXXX ) This company has been mailing me notices of debt, amount ( {$1200.00} ) that I do not recognize. This account has been reporting a past due balance, and is currently reporting open and inaccurately. I do not know this company and have not done business with this company nor does this company have my signature on a contract & failed to provide one.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: NY

Complaint narrative:
I was in searching for a new home when I reached out to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. I provided my approval letter from a lender that I worked with which was not satisfactory to XXXX to which she said she would accept my offer under the contingency that I would acquire a preapproval from a mortgage company that they worked with ( XXXX XXXX at Homebridge XXXX # XXXX ). I was told I am approved verbally, never received a pre-approval letter. Days later my agent reached out stating that XXXX had declined to accept my offer because of information disclosed to the mortgage broker regarding my financial information. This text indicated my location, my ownership in another home, and my plans to lease this home out. These were only solely disclosed to XXXX 's team at Homebridge. I never authorized this information be disclosed to XXXX as this is sensitive information. A clear violation of lender laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX ending n XXXX- closed the card XX/XX/XXXX - disputed charges of XXXX a month for XXXX XXXX. They gave me a credit instead of mailing me a check and are continuing to bill the disputed charges to my closed account. I spent two hours on the phone with Synchrony this morning being passed around. A " supervisor '' finally said that they couldn't do anything about it that it was handled by XXXX, transferred me to XXXX and XXXX had no idea what I was talking about. XXXX apparently has nothing to do with XXXX XXXX XXXX XXXX. I tried to look at back statements to see if I had been charged but the statements between XX/XX/XXXX and XX/XX/XXXX are not posted. Synchrony explained that the charges were continuing to be charged to my closed account because it is a recurring charge. That makes no sense to me, not my charges and I closed my account.

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 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a credit card account on XX/XX/2021 and was approved for {$2000.00}, since then I have received this card physical card but the card is Restricted from use upon documents being sent for identity verification..all subsequent documents was submitted, its been since XXXX and this account is still restricted with answers and it is now XXXX, this is now considered discrimination. 
Capital One has pulled a hard inquiry from my credit file and I have incurred a loss to my credit points in the process, my application was approved and has not been activated since.

Under ( CFR 1002.2c ADVERSE ACTION ) Pursuant to 15 USC 1691 ( SCOPE OF PROHIBITION ) I was denied even though I have the capacity to contract, Also under 15 USC 1602 I am aware of my status as a Consumer to have my rights upheld, CAPITAL ONE claims the reason that they have not activated this account is its still under review after I have been approved and sent a physical card.

Pursuant to 15 USC 1681m I have the right to make such written request at the time such adverse action Is communicated to me, Under CFR 1002.2 ( c ) states ( I f the applicant applied in accordance with the Creditors procedures, a refusal to extend the term of a business or other loan is adverse action, CAPITAL ONE is legally liable under these provisions and may be held responsible, I hope to resolve this matter before any further action has to be taken in the form of complaints To the parties that govern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
We are disputing a charge of {$630.00} which is a Fraud from our point of view. 
XXXX XXXX is a company that we used many years ago back in 2011. 
about 1-2 years after we called XXXX when it was time to renew the service of XXXX XXXX XXXX and told them to close the account and they confirmed it is closed ( Same as you do with any other service you have in USA ) . 
Since then we have not heard back anything nor received any calls or emails from them about any debt.

about 2 weeks ago our lender ran a report and suddenly a charge of {$630.00} from XXXX appears on our report as collection ( while no one even from collection talked to us ). 
We called XXXX and told them it a fraud as we had no service with them from over 10 years and suddenly the are waking up and trying to bill us for {$630.00} after 11 years!!!!. 
They said we had to sign paperwork to close the account which we have never received. 
Also, they said since its in collection they can not wave anything. 
This is a fraud. It was very convenience of them to keep creating charges after we closed the account so many years ago. Not even sending certified email or priority email, just nothing. 
We hope this will be removed from our reports as we are NOT going to pay this Fraud transaction for a service we closed 11 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CARD Corporation
State: NC

Complaint narrative:
I received a XXXX XXXX debit card in the email that I never signed up for with a debit card number, account number, and routing number. When I call the number on the back of the card XXXX, they want me to enter my social security number and other wise there is no way to talk to anyone. When I call the general XXXX bank number on the website XXXX, the automated answer prompts me to email for customer service. When I enter the card number, they say they can not answer questions about the card and to call the number on the back of the card. None of this connects to a live rep, all of this goes in circles and is unhelpful. 

I spent some time and looked up their parent company XXXX XXXX XXXX and eventually found some paperwork online they had filed with a number on it. I called that number XXXX. The representative said she could not help be but could transfer me to customer service for the " card. '' I asked for the number in case it was disconnected. She said that the number does not usually work but she gave it to me anyway. XXXX. 

When the call was transferred to CARD. I gave the representative the account number and card number. Then to verify, she asked for all of my personal information, which made me uncomfortable considering this was a fraudulent account. She then said she closed the account, which was a " premium card account '' but said " there is no process for providing written confirmation. '' This is unacceptable. Not providing written confirmation for a fraudulent account is unacceptable. 

Also, overall, it is almost impossible to connect with someone to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NH XXXX XXXX ( XXXX ) XXXX The account was charged off in XX/XX/XXXX. My Experian and XXXX credit report is showing for the last XXXX years ( EVERY MONTH ) that I have been delinquent. It also shows that I made a payment in XX/XX/XXXX which is simply not true. I have disputed this account multiple times and it was removed once, only to reappear XXXX months later. I get a run around everytime I call XXXX XXXX XXXX to try to straighten this out. I have also paid taxes on the charged off amount in XXXX. Can someone please investigate this and have this removed from my credit report? 

Thank you for your time.

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX ( XXXX ) XXXX The account was charged off in XX/XX/XXXX. My XXXX and XXXX credit report is showing for the last 5 years ( EVERY MONTH ) that I have been delinquent. It also shows that I made a payment in XX/XX/XXXX which is simply not true. I have disputed this account multiple times and it was removed once, only to reappear two months later. I get a run around everytime I call XXXX XXXX XXXX to try to straighten this out. I have also paid taxes on the charged off amount in XXXX. Can someone please investigate this and have this removed from my credit report? 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is a debt collector pursuant to 15 usc 1692a ( 6 ) and has violated my right to privacy by committing identity theft. Term identity theft means a fraud committee used the identifying information of another person, subject to search for the definition as the bureau may prescribe, by regulation.XXXX XXXX XXXX has never received written instructions for me authorizing the furnishing of any information to third parties in violation of 15 USC 1681B, permissible purposes of consumer reports in general subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer to whom it relates.This company has violated many of my rights and I will be pursing further into this and will be hiring and FDCPA advocate to move on and start a claim in court. this company has violated many rights which is {$1000.00} per violation.

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX billed me for a credit card and then they decided to not inform me of the payment being due or late. I previously would just pay every month but did not check the account over the holidays. The payment was made in full, the account was updated and then the account was once again showing this as a missed payment. This was in error and needs to be fixed, the company would not allow me to state my case to the credit department despite being on current and historical good standing.

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 2022-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC)
State: WI

Complaint narrative:
Phone calls have been made to me from the following phone numbers : XXXX ( XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ). When I call these numbers back they have no record of me or of calling me. The women at XXXXXXXX XXXX I talked to said it was weird because her phone rang for a second with a restricted number and then stopped ringing. I believe this debt collection agency is spoofing govt phone numbers and pretending to be them to collect a debt that I don't believe I owe. I can't imagine this can be legal? The information I have gathered is XXXX debt sold to NMRC, they have called my father and stated they were the circuit court and papers would be delivered to my home between XXXX and XXXX that day which never happened. He was given a phone number of XXXX and ref # XXXX for me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
A checking account was opened in my name by TD-Bank . Checks and a notice of failure to pay certain funds was received by me a few days ago - the bank was notified on XXXX to discontinue all accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is a debt collector pursuant to 15 usc 1692a ( 6 ) and has violated my right to privacy by committing identity theft. Term identity theft means a fraud committee used the identifying information of another person, subject to search for the definition as the bureau may prescribe, by regulationXXXX XXXX XXXX has never received written instructions for me authorizing the furnishing of any information to third parties in violation of 15 USC 1681B, permissible purposes of consumer reports in general subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer to whom it relates.This company has violated many of my rights and I will be pursing further into this and will be hiring and FDCPA advocate to move on and start a claim in court. this company has violated many rights which is {$1000.00} per violation.

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 2022-02-09 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:
XXXX XXXX XXXX is a debt collector pursuant to 15 usc 1692a ( 6 ) and has violated my right to privacy by committing identity theft. Term identity theft means a fraud committee used the identifying information of another person, subject to search for the definition as the bureau may prescribe, by regulationXXXX XXXX XXXX has never received written instructions for me authorizing the furnishing of any information to third parties in violation of 15 USC 1681B, permissible purposes of consumer reports in general subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer to whom it relates.This company has violated many of my rights and I will be pursing further into this and will be hiring and FDCPA advocate to move on and start a claim in court. this company has violated many rights which is {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I entered into a XXXX loan modification as of XX/XX/XXXX. This modification is a Tier 1 loan modification under the XXXX program, which has an incentive. The incentive is entitled the " Pay for Performance '' Incentive under the the MHA Handbook Chapter II : XXXX page XXXX47 section 13.2.1. The provision of that section specifies a payment incentive to borrowers in the XXXX year anniversary after the loan modification date, said borrower 's loan is eligible for a {$5000.00} reduction of the principle and a recast of my mortgage, as long as the loan is in good standing. I have not heard anything from Bank of America regarding their arrangements to enforce the provision of the XXXX agreement as it relates to my mortgage. * Please note - my loan was originally with Bank of America. When it went into default, it was sub-serviced by XXXX XXXX. Once the modification process was completed and entered, the loan went back into servicing with Bank of America. The loan mod was signed while being sub-serviced with XXXX. 
The last communication I had with Bank of America last year regarding the adjustment, they mentioned that it was to take effect in XXXX after I made my XXXX payment. That time has passed, and I have not gotten any type of correspondence or communication from Bank of America regarding the change to my mortgage as it relates to the XXXX agreement. I need this to go into effect immediately, with written documentation of the changes.

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 2022-02-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
On XX/XX/2020 PHH XXXX took over from XXXX XXXX  as the servicer of the Mortgage account. As the new servicer, PHH XXXX assumed the fiduciary duties associated with the Escrow that was established and transferred to PHH XXXX for the payment of taxes, homeowners insurance and FEMA-mandated Flood Insurance XXXX As of XX/XX/2020, PHH had notice of an existing Flood Insurance Policy. PHH allocated funds for payment for the renewal of the Flood insurance premium, but never submitted the payment. Without homeowner 's knowledge, PHH permitted the flood insurance policy to lapst. PHH retroactively purchased a Flood Insurance Policy with homeowner 's escrow funds, and raised homeowners monthly mortgage premiums by a total of {$1200.00}, even though the Homeowners found out about lack in coverage, and purchased a new flood policy. The escrow had sufficient funds to continue with payment for the flood insurance without interruption. PHH had a duty to allocate and disburse the funds as mandatory escrow holder on behalf of homeowners. PHH failed to do so and charged the homeowners additional fees and costs at a time when everyone was struggling with the Covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There Are MULTIPLE ACCOUNTS OPEN

Company response to consumer: Closed with explanation