vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
My loan was taken over by Vanderbilt in XX/XX/XXXX During the transition, it was unclear how to make a payment, so the XXXX payment was made online through their portal on XX/XX/XXXX. On XX/XX/XXXX, XXXX reversed the payment and charged a late fee. I called on XX/XX/XXXX and payed up through the XXXX payment ( 3 months payment ) via check over the phone. A partial payment before the XXXX due date was made through the online portal on XX/XX/XXXX and accepted. On XX/XX/XXXX, they reversed the payment. On XX/XX/XXXX, the full amount due for XXXX was paid using a different bank through their online portal. A call was made after the payment was accepted to verify it went through and the account was credited, and everything was confirmed by Vanderbilt. I received the XXXX payment statement on XX/XX/XXXX showing the account was current and the XXXX payment was processed. On XX/XX/XXXX, Vanderbilt reversed the payment and will no longer accept payments online. There was never an overdraft issue. 
All bank information has been verified with the banks and Vanderbilt refuses to accept payments and blames the bank.

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 2023-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
I was a senior in 2018 living in XXXX Texas. On my Credit there is a {$1200.00} debt for a security system in 2018 in XXXX Texas I believe. I am not sure who used my information and put their system in my name but I would like it off of my credit and corrected. Thanks

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 2023-05-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : You are reporting this collection on my credit report. I have no knowledge of this account. This is inaccurate reporting and needs to be deleted immediately. 
Please mail me a physical copy of my credit report when the above deletion has been executed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX reported my payment late for XXXX. They keep referring to true and accurate reporting. In this case it isnt correct. Made payment on XX/XX/XXXX and the bank decides to withdraw the funds on XXXX If there only 30 days in the month of XXXX that would put my XXXX payment on the XXXX XXXX of XXXX ( which tehnically would be the XXXX day if there were 31 days in that month. ) Bank states that it takes up to 3 days to report a online payment but in this case it took 6 days. Based on that conclusion the bank is allowed to apply payments to whatever day they see fit for processing which would not be true and accurate reporting.. Somewhere there has to be federally mandated time frame for this action to be reported.No where in their documentation do i see anything about a 3 day time frame please check XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Missouri 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 2023-05-26 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX reported my payment late for XXXX. They keep referring to true and accurate reporting. In this case it isnt correct. Made payment on XX/XX/XXXX and the bank decides to withdraw the funds on XXXX If there only 30 days in the month of XXXX that would put my XXXX payment on the XXXX XXXX of XXXX ( which tehnically would be the XXXX day if there were 31 days in that month. ) Bank states that it takes up to 3 days to report a online payment but in this case it took 6 days. Based on that conclusion the bank is allowed to apply payments to whatever day they see fit for processing which would not be true and accurate reporting.. Somewhere there has to be federally mandated time frame for this action to be reported.No where in their documentation do i see anything about a 3 day time frame please check XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX reported my payment late for XXXX. They keep referring to true and accurate reporting. In this case it isnt correct. Made payment on XX/XX/XXXX and the bank decides to withdraw the funds on XXXX If there only 30 days in the month of XXXX that would put my XXXX payment on the XXXX XXXX of XXXX ( which tehnically would be the XXXX day if there were 31 days in that month. ) Bank states that it takes up to 3 days to report a online payment but in this case it took 6 days. Based on that conclusion the bank is allowed to apply payments to whatever day they see fit for processing which would not be true and accurate reporting.. Somewhere there has to be federally mandated time frame for this action to be reported.No where in their documentation do i see anything about a 3 day time frame please check XXXX XXXX account XXXX XXXX mazuma credit union 2014 ford XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX : Received text message from Chase inquiring if I authorized a charge of XXXX. I immediately replied " No ''. Received immediate reply from Chase stating that I had already replied, which I had not. I then phoned Customer Service ( XXXX XXXX  PST ) and reported that 4 fraudulent withdrawals and 1 fraudulent deposit were made to my account. Was told to file a claim directly with the Claim Department but they were already closed. 

XXXX : Contacted Chase Claim Department to file a claim. Provided all information on fraudulent transactions, including that they were originated in another state. Provisional credit issued. 

XXXX : Called Claim Department to check status of claim. Was told claim was denied due to impossibility of duplicating PIN number at chip-enabled terminal. XXXX credit rescinded. 

XXXX : Went to local Chase branch for assistance. Banker called Claim Department, who advised me to fax over supporting documents. 

XXXX : Faxed supporting documents to Claim Department. 

XXXX : Called Claim Department. Spoke to supervisor who said " fraud could not be proven ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. A money order was made with the proper clauses and provision based on banking law in the amount of {$9000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Chase Sapphire Reserve XXXX XX/XX/2023. They accepted and cashed my instrument, but did not credit my account correctly. I did call on XX/XX/2023 and spoke with XXXX a customer care team member and then her supervisor XXXX XXXX and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and XXXX, and I am pleading with you to remove them immediately.

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 2023-05-26 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: MO

Complaint narrative:
It has come to my attention that there are multiple addresses associated with my credit history that are inaccurate and should be removed immediately. I demand that all addresses, except the following legitimate and current address, be expunged from my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information contained in my credit report is accurate, fair, and substantiated. Section 1681i ( a ) of the FCRA mandates that credit reporting agencies investigate disputes and correct any inaccurate or incomplete information within 30 days of receiving a written dispute.

Accordingly, I am formally disputing the inclusion of any addresses on my credit report that differ from the aforementioned address. Please take immediate action to rectify this discrepancy by removing all incorrect addresses associated with my credit history. 

Failure to comply with this request within the legally mandated timeframe would be a clear violation of the FCRA. I want to emphasize that the inclusion of inaccurate address information on my credit report can have detrimental effects on my financial standing, including the possibility of impacting my ability to secure credit, obtain loans, or establish favorable financial relationships. 

ATTACHED IS A COPY OF MY MOST RECENT ELECTRIC BILL, A PHOTO COPY OF MY PASSPORT AND BIRTH CERTIFICATE

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 2023-05-26 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: EQUIFAX, INC.
State: MO

Complaint narrative:
It has come to my attention that there are multiple addresses associated with my credit history that are inaccurate and should be removed immediately. I demand that all addresses, except the following legitimate and current address, be expunged from my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information contained in my credit report is accurate, fair, and substantiated. Section 1681i ( a ) of the FCRA mandates that credit reporting agencies investigate disputes and correct any inaccurate or incomplete information within 30 days of receiving a written dispute. 

Accordingly, I am formally disputing the inclusion of any addresses on my credit report that differ from the aforementioned address. Please take immediate action to rectify this discrepancy by removing all incorrect addresses associated with my credit history. 

Failure to comply with this request within the legally mandated timeframe would be a clear violation of the FCRA. I want to emphasize that the inclusion of inaccurate address information on my credit report can have detrimental effects on my financial standing, including the possibility of impacting my ability to secure credit, obtain loans, or establish favorable financial relationships. 

ATTACHED IS A COPY OF MY MOST RECENT ELECTRIC BILL, A PHOTO COPY OF MY PASSPORT AND BIRTH CERTIFICATE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against the Companies/Organizations stated below regarding unauthorized inquiries and the misuse of my credit report. I believe that this company has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), and I kindly request your assistance in investigating and resolving this matter. 

The details of the unauthorized inquiries and misuse of my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : On the dates stated above, I discovered that the Companies/Organizations stated above had made unauthorized inquiries into my credit report without my knowledge or consent. These inquiries were conducted without any permissible purpose under the FCRA. I have attached copies of my credit reports that clearly indicate the unauthorized inquiries made by the company. 

Misuse of Credit Report : Furthermore, I have reason to believe that the Companies/Organizations has misused my credit report by accessing it for reasons unrelated to any legitimate business transactions or as required by law. This constitutes a violation of my privacy rights and is in direct contravention of the FCRA provisions. I have not engaged in any business dealings or transactions with this company that would justify their access to 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 explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WI

Complaint narrative:
I submitted my Temporarily Expanded Public Service Loan Forgiveness application to Federal Student Aid on XX/XX/XXXX, more than a full calendar year ago. In XX/XX/XXXX I was notified by FSA that my loans and employer were eligible, and that MOHELA would be my new servicer to complete the public service loan forgiveness process. Not hearing anything from MOHELA for 4 months after that, in XX/XX/XXXX I called MOHELA and was told my case was " on the cusp '' of being resolved. In subsequent exchanges with MOHELA, they say that they have not yet received my loans. I emailed FSA to inquire about this twice, once on XX/XX/XXXX and again on XX/XX/XXXX. Both of those email inquiries remain in review. Meanwhile, in checking the MOHELA web site, I am unable to upload documents related to my case and I have received no direct answer to my emails informing MOHELA that their site contains this crucial glitch, making it impossible to submit updated documents electronically. I understand that there is a historic volume of loan forgiveness requests, but this has been going on for well over a year and at this point I dont even know the current status of my loans/TEPSLF application. I am anxious to get this resolved because every month this continues, I am docked another loan payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: CA

Complaint narrative:
I NEED HELP GETTING THIS ISSUE RESOLVED I'VE BEEN TRYING FOR ALONG TIME AND NOT GETTING ANY SATISFACTION.

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 2023-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Same problem as was on XX/XX/2022 complaint. Attempting to collect debt on a home phone account that was closed, but they kept billing me for 4 months despite the closed account & disconnected phone. 

Went through this with XXXX  XXXX  & XXXX in XX/XX/2022. Transworld Systems Inc bought XXXX  & is now reviving this wrongful debt. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX ( XXXX ) collection has been paid. The XXXX collection of {$230.00} was placed as a mistake due to an alleged balance after account has been Closed and Paid off in XXXX. Matter has been settled with XXXX and balance paid {$60.00} ( confirmation # XXXX ) but XXXX collection is still showing on 3 credit bureaus bringing my credit significantly lower. Urgent! I am in a process of obtaining a Mortgage. This record is a HOLD up for getting the loan. I am asking to delete derogatory information from all Credit reports ASAP. Thank you for understanding and consideration of the seriousness of the situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Please remove Cavalry Portfolio Services for {$3500.00} from my credit report and cease all legal action. Cavalry Portfolio Services has failed to correctly validate my debt after requesting a validation letter and wrongfully submitted a lawsuit for debt that they can not confirm that I owe. The validation letter was received by Cavalry Portfolio Services on XX/XX/2023. I have attached proof of delivery and a copy of the letter sent. On XX/XX/2023, I received a response after requesting validation of this debt, but the creditor has failed to provide any itemization or amount of debt owedI had to find the amount owed myself by looking at my credit report. I have attached a copy of the letter that was received from Cavalry Portfolio Services. The letter does not contain any itemization of the balance that is supposedly owed. It has been more than 30 business days since the validation request letter has been delivered and I still have not received any type of itemization or anything at all to explain how the charges on the debt were accrued. According to Regulation 1006.34 as noted by the Consumer Financial Protection Bureau, a debt collector is required to send an itemized list if requested to validate a debt, reflecting any interest, fees, payments, and credits since the itemization date. Cavalry Portfolio Services has violated this regulation by not sending any itemization for any of the charges of this debt, therefore it needs to be removed from my credit report and legal action ceased.

Company response to consumer: Closed with explanation