vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602A States I have the rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: United Consumer Finance, Inc.
State: CT

Complaint narrative:
I have been trying to pay multiple times with the card I have ALWAYS used and now they have blocked me from making payments. The card has been on file in their system. Just says the card is invalid everytime Ive tried to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: MD

Complaint narrative:
Fraudulent and unauthorized Hard Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX OF XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I would like to start by first saying thank you! This is not the first time I have gone to your service to report a complaint and the help was of great service to me. We had a problem where XXXX XXXX XXXXXXXX closed my bank account as well as all debit and credit cards and held us locked to open any other accounts for 7 years, until we submitted a complaint and your service forced XXXX XXXX  XXXX to apologize, unlock our account, as well as fix our chexsystem status so that we could open accounts again at any other bank. Rightly so, we left XXXX XXXX XXXX and I was able to open a bank account as well as a business account at XXXXXXXX XXXX. However I still can not open a credit card with the bank or any others due to the first issue I had. Because XXXX XXXX XXXXXXXX created the initial issue for me, blocking my account and thus not allowing me to pay off my credit cards as well as remaining/added debts, my credit score rapidly dropped during this period. Before this issue, on XX/XX/XXXX, we were able to open a credit card at XXXX XXXX XXXXXXXX with no issues. When our account got blocked due to their error, on XX/XX/XXXX they closed my credit card with no explanation. We always paid off our cards on time with a perfect credit report history, up until the point of the banks severe error. My credit score dropped from XXXX to XXXX, and my wifes, XXXX XXXX, dropped from XXXX to XXXX. Once we opened our bank and business account at XXXX, I of course applied for a credit card as i am a business owner with a business account, both things going hand in hand. I got approved and had a credit card through them in XXXX of XXXX, and a month later the bank closed our card without any explanation. We contacted chase and they mistakenly opened a credit card for me, and to contact XXXX XXXX XXXXXXXX as they created the initial problem for us. We did all possible attempts to contact XXXX XXXX XXXX and to no avail with no answer coming back from them to date. Our credit since initially dropping has slowly gone up as we are responsible and 100 % on our payments for everything, however on XX/XX/XXXX we tried to open a credit card through XXXX once again, and were denied due to the bank previously accidentally giving us a credit card and then closing it on us. I am a business owner and for my career and company development i require having a credit card. Any reason that i can not be approved for one, is absolutely 0 % my fault and it is unacceptable that a banks error is pausing my career growth.

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 2022-10-18 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like to start by first saying thank you! This is not the first time I have gone to your service to report a complaint and the help was of great service to me. We had a problem where XXXX XXXX XXXXXXXX closed my bank account as well as all debit and credit cards and held us locked to open any other accounts for 7 years, until we submitted a complaint and your service forced XXXX XXXX XXXXXXXX to apologize, unlock our account, as well as fix our XXXX status so that we could open accounts again at any other bank. Rightly so, we left XXXX XXXX XXXX and I was able to open a bank account as well as a business account at Chase bank. However I still can not open a credit card with the bank or any others due to the first issue I had. Because XXXX XXXX XXXXXXXX created the initial issue for me, blocking my account and thus not allowing me to pay off my credit cards as well as remaining/added debts, my credit score rapidly dropped during this period. Before this issue, on XX/XX/XXXX, we were able to open a credit card at XXXX XXXX XXXXXXXX with no issues. When our account got blocked due to their error, on XX/XX/XXXX they closed my credit card with no explanation. We always paid off our cards on time with a perfect credit report history, up until the point of the banks severe error. My credit score dropped from XXXX to XXXX, and my wifes, XXXX XXXX, dropped from XXXX to XXXX. Once we opened our bank and business account at Chase, I of course applied for a credit card as i am a business owner with a business account, both things going hand in hand. I got approved and had a credit card through them in XXXX of XXXX, and a month later the bank closed our card without any explanation. We contacted chase and they mistakenly opened a credit card for me, and to contact XXXX XXXX XXXXXXXX as they created the initial problem for us. We did all possible attempts to contact XXXX XXXX XXXX and to no avail with no answer coming back from them to date. Our credit since initially dropping has slowly gone up as we are responsible and 100 % on our payments for everything, however on XX/XX/XXXX we tried to open a credit card through Chase once again, and were denied due to the bank previously accidentally giving us a credit card and then closing it on us. I am a business owner and for my career and company development i require having a credit card. Any reason that i can not be approved for one, is absolutely 0 % my fault and it is unacceptable that a banks error is pausing my career growth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted letters on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 The required notice of dispute was never entered within the 30 day time frame after multiple attempts - delete these accounts immediately pursuant to section 623. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted letters on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 The required notice of dispute was never entered within the 30 day time frame after multiple attempts - delete these accounts immediately pursuant to section 623. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer 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 2022-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This issue has persisted for multiple years despite several attempts on my part to get Ally Auto to fix the problem. 

Ally Auto XXXX Ally Bank sends out emails every month who's subject ( and body ) claim : " Weve received your vehicle payment. '' and " Your vehicle payment was successful. '' However, the emails do NOT indicate that the payment was in fact received and successful. Instead they indicate that their internal systems have initiated the automated payment ACH process.

As a consumer, I receive that email and think " great! everything is ok. '' However, if the ACH payment fails for some reason ( e.g., timing of your deposits to your account vs their withdrawal ), you don't get notification of that until 9+ days later, at which time they then charge you with a late payment fee. 

That late payment fee would have been avoided if they did not originally claim that the payment was successful, causing you to take your eye off the account thinking everything is ok. 

I have repeatedly told their customer service people that they need to change the wording of those emails to read " We have initiated the payment process '' or, that they wait until the payment has IN FACT been received by them before they tell you the payment is " successful. '' I have been charged several late payment fees due to this, and I suspect they don't want to fix it because it's a net benefit to them not to do so.

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 2022-10-18 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I purchased my home in the city of XXXX in XX/XX/XXXX. Rocket Mortgage is my lender. Since XX/XX/XXXX my property taxes have been overestimated. Rocket Mortgage estimates that my taxes are {$4600.00} but my actual tax bill for XXXX XXXX was {$2700.00}. I received an escrow reimbursement but the company continues to over estimate my taxes. I have called several times and I have escrow analysis completed per my request to no avail. The following are the dates of escrow analysis that I requested : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They were all completed by Rocket Mortgage but resulted in no change necessary. I have emailed and uploaded my tax bill for XXXX XXXX taxes which clearly states my home 's taxable value of {$32000.00} and the XXXX  % of 100 % and as a XXXX Property class. There is no reason at this point that my escrow balance should be so high. I talked to multiple different specialists and while they agree that I am correct, they tell me they don't know what should be done to fix it. They have also requested research be conducted and the research always comes back stating that my taxes are estimated at nearly double of what they are in actuality. 

I feel that this company is essentially holding my money XXXX since I am unable to use it and it is not accruing any interest while in the escrow account. How many other clients are experiencing this? It seems like it would be a pretty convenient way for a large company to claim to have more liquid assets than they actually do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
XX/XX/2022 {$3500.00} charge The XXXX XXXX XX/XX/2022 disputed charge the XXXX charge and account credited {$3500.00} XX/XX/2022 customer cancelled dispute for the XXXX XXXX account debited {$3500.00} And the rebill appeared for the XXXX XXXX {$3500.00} The XXXX XXXX bank never received the recredited money. 

Chase has lost the money and is unable to confirm through XXXX number that The XXXX XXXX received the funds. But myself as the customer was recharged {$3500.00} but the funds not paid out to the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Misleading False Reporting these accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681.THESE ARE THE COLLECTIONS ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: GA

Complaint narrative:
I have sent out all that was required of me by XXXX and Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX  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 2022-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
To whom it concern, Navy Federal Credit union has violated dodd frank act by preventing access to comsumer accounts for delinquency payments on credit card and personal loan which has caussed my account to be in the netgative. However Navy Federal Credit Union has been reporting late payment to the credit bureau as 30/90/ days pass due, also show that the accounts been closed. 

Under section SS169 ( a ) prevents this ( 15 USC 166 ( h ) Bank can not offset credit card debt with funds in your bank account As the act states, your credit card issuer may not take any action to offset the debt you have on the credit card with funds you have on deposit with the bank. I ask that your agency please look into the matter. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Company is in violation of 15 USC 1666b and 15 USC 1681b. they are reporting inaccurate information on my consumer report, one, without any written instructions from i, the consumer, second this inaccuracy is hindering my ability to obtain credit and its also defaming my character,. this is embarrassing and damaging my livelihood. Ive put the company on notice already and i would like them to properly do their job and stop violating consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: SC

Complaint narrative:
I paid the balance of XXXX XXXX XXXX XXXX on this account in XXXX of XXXX. Ive disputed this account but same results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I turned 21 and im serious on buying a house for me and my family and was told i have 10 to 12 of these listing of hard inquiries and inquiries, US SM ADMIN ODA XXXX, XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage SER, US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XX/XX/2022 My car was repossessed. When I attempted to contact the original company the car was purchased through I was told the rest of my debt was sold to Recovery Associates, a debt collection company. I contacted the new company and was given a different name ( PRA receivables management LLC. ) they refused to give an address and directed me to a manager XXXX XXXX XXXX when asked about said information. I was forced to give my social security number, name, and address in order to find out the amount owed. The first representative XXXX quoted {$29000.00}. Instantly I asked to dispute the amount and was told that I should receive a debt validation letter within 30 days. The problem with that is my car is in possession of a tow company that wont release the car until its okd by this debt collection agency and its at risk of being auction within 10 days. XXXX then put me on hold until the phone hung up and I didnt get a call even though I was told that if the call disconnects I would receive a call back. 

I called the company back again and was connected to XXXX who directed me to the manager because I asked for the companies name and address. Once connected to the manager ( XXXX ) I was forced to give my personal information again and was quoted a new number for my debt which was {$29000.00}. I asked her how long does it take for the debt validation letter to come in the mail and was told 10 days. I had more questions in correlation to the tow company and how long my vehicle would be held before being transported around or forced into auction. Before I could finish my questions I was threatened by the manager and was told that my vehicle could be moved to auction whenever she wants. At that moment I chose to end the conversation to get questions on if this is legal or not. 

If there is a debt owed I wasnt contacted at all by mail or phone by this debt collection company. I fear that my vehicle has been taken illegally by a company that I have not signed a contract with or agreed to the supposed debt and it will be auctioned off in an attempt to collect on something not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 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: IL

Complaint narrative:
My personal identity information was stolen in several breaches from companies I had business with, my employer, as well as from the XXXX XXXX XXXX and its affiliates. These breaches occurred from XXXX through XX/XX/XXXX. I also learned that my identity information had been shared on the XXXX Web Market as a result of these breaches. These breaches have resulted in persons unknown to me and without my consent attempting to obtain credit cards, car loans and in some instances personal loans in my name, damaging my credit profile with unauthorized XXXX Inquiries.

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 2022-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit card company won't work with you while you're going through financial hardship ( won't negotiate lower fees, lower interest rate, lower monthly payment, or postpone payments i need Manager response to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I recently filed a CFPB complaint against Upgrade because of my account reflecting charges I did not authorize, the agent who responded said the transactions were being placed under investigation yet my account is still showing a balance and says I am past due?! 

How can I be past due for something I never purchased? 

I was promised this issue would've been resolved, I had reached out to the Claims Team the representative provided on the previous complaint however NO ONE answers! 

I've reached out 6 times already and left voicemails with no one contacting me back or helping to resolve this issue.

Company response to consumer: Closed with explanation