vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We signed a contract on XX/XX/XXXX, got pre-approved through Chase XXXX. After several rounds of documentation, we were conditionally approved at a 3.25 % ( XXXX points ) rate, and a target closing date of XXXX. The Lending Advisor also stated we qualified for an appraisal waiver, of which we promptly accepted since average interval to complete waiver was between 25-32 days in Texas. On XX/XX/XXXX, after all the documents were passed to underwriting for final review, the underwriter stated we didn't qualify for the " agency product '', and therefore we would have to pay 3.37 % interest rate, pay {$6300.00} from XXXX in points, and they would now require an appraisal ( reminder- telling us this just 4 days before closing ). Whether it was the lending advisor 's error, or poor decision-making on the underwriter 's part, we consider this to be an unforced error -- - worse case a " bait and switch '' situation -- - solely of their doing. To compound the problem, their coordination and timing with the appraiser was atrocious, leaving us with a 3rd amended contract pushed to XX/XX/XXXX closing just for conservative purposes. Turns out that extended amendment date was needed, as we didn't get funded until XX/XX/XXXX, and we didn't close until XX/XX/XXXX. Sidebar, because of the misstep on Chase 's part, we risked the seller backing out for another offer. Incrementally that cost us extra money to secure him for the duration. The Underwriter 's excuse for the product change in the XXXX hour did not make logical sense given the combined wages, retirement income along with a large IRA that a financial advisor has written a letter on to state it was significant enough ( $ XXXX ) for retirement income continuance long after his 30-month calculation he claimed needed to be satisfied ( where apparently he factored only one of my accounts, the 401K ). Chase had everything to gain by reneging on their original offers to us under conditional approval conditions. Not that it factors materially into financial decisions, but I have used Chase for 30 years, and this is my XXXX mortgage with them. This process was broken, but worse yet their internal human handling and coordination around the broken process compounded the problem. We opened up an executive complaint before close with their corporate executive offices. That did nothing to benefit the situation, it seemed more like an " appeasement '' exercise because they relied on the assigned lending team as much as we did and they offered no intervention that positively altered timing. The Executive Support Team closed the complaint on XX/XX/XXXX because the closing took place " successfully ''. They stated some " independent and unbiased '' group would internally evaluate this case and reach out ONLY if they found wrong-doing or gross errors on the Chase teams ' part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE COMPANIES HAVE BEEN REPORTING WRONG INFORMATION ON MY CREDIT FILE.

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 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Axela Technologies, Inc
State: TX

Complaint narrative:
This company is trying to charge me excessive amount of late fees and additional administrative costs to pay off this debt and continues to charge monthly additional fees on top of the debt... I do not have any agreement in writing or they do not have an agreement that verify the validity of the debt in the first place. They can not prove that I agreed to anything. They do not have this paperwork that they can furnish i have asked for it. Please help me to stop this collection agency from these false claims and erroneous charges. I will be charged XXXX a month until it is paid according to them and the XXXX association who i tried to call today to clear this up and they said there is nothing they can so to help me out.. They also continue to increase the XXXX fees every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
THE COMPANY, MIDLAND CREDIT MANAGEMENT, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE PREVIOUS THIRD PARTY COMPANY THAT MIDLAND CREDIT MANAGEMENT PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES FOR THE YEAR. WHEN MIDLAND CREDIT MANAGEMENT PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A. 

According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) XXXX the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' MIDLAND CREDIT MANAGEMENT is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ). 

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or a countersuit will be pursued. I have proof of claim showing that MIDLAND CREDIT MANAGEMENT hired and shared my personal information with XXXX XXXX XXXX XXXX XXXX. who filed a suit fraudulently against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Been reporting late payments to Equifax & XXXX for XX/XX/2021 and XX/XX/2021 meanwhile all the payments on time sending screen shot of credit report and bank statement. XXXX service agent i spoke to her XX/XX/2021 at XXXX and she couldn't help did not understand the problem.this company doesn't have service for automatic payments every month and they charge you for calling in and making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting late payments to XXXX XXXX Experian for XX/XX/2021 and XX/XX/2021 meanwhile all the payments on time sending screen shot of credit report and bank statement. XXXX service agent i spoke to her XX/XX/2021 at XXXX and she couldn't help did not understand the problem.this company doesn't have service for automatic payments every month and they charge you for calling in and making payments.

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 2021-12-01 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: NC

Complaint narrative:
Inacurrate and fraudulent accounts reported from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: MS

Complaint narrative:
TransUnion is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX XX/XX/XXXX, It is a violation to re-age a collection account and This account was paid and the creditor agreed to remove it from my credit report. 

XXXX XXXX XXXX XXXX running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-12-01 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: MS

Complaint narrative:
XXXX is reporting the date of last activity as XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX XX/XX/XXXX, It is a violation to re-age a collection account and This account was paid and the creditor agreed to remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-12-01 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: CORELOGIC INC
State: NC

Complaint narrative:
Didnt authorized the inquiry.

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 2021-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX ( XXXX XXXX ), applied for a credit card at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ). Surprisingly, my application was denied at the store. 
In XXXX weeks I received a letter from Synchrony bank, describing that the reason for the denial was an unsatisfactory payment history with Synchrony bank. The decision was made without any credit reports, which is stated in the letter. And I have a pretty high credit score of XXXX and my credit usage is 3 %. 
On XX/XX/XXXX I called Synchrony bank at ( XXXX ) XXXX and talked with account manager # XXXX. First, I was denied even to explain to me the reason for credit card denial ( I asked for transactions which they treat as unsatisfactory because I am very careful with my payments ). After that, the representative looked through my history with their bank since XXXX ( when the card was opened ) and informed me that she can not find anything negative, except that only XXXX small autopayment was bounced in XXXX, which I paid right away after it bounced. That is all for the XXXX years. 
Alter that, Synchrony bank account manager XXXX told me that it is their privilege to decide if they want to proceed with my application or decide to deny it. She also explained that they do not use Credit reports while making decisions. 
As a XXXX immigrant, who works really hard and has a good credit history, I find Synchrony bank 's decision discriminatory and XXXX. Unsatisfactory payment history is a lie to cover unfair treatment. The federal Equal Credit Opportunity Act prohibits creditors from discrimination against applicants.

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 2021-12-01 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: NV

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: NC

Complaint narrative:
Inacurrate and fraudulent accounts reported 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 2021-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: NJ

Complaint narrative:
I keep receiving text messages and phone calls from a company called XXXX. I do not know who they are but they keep sending threatening text messages and have been reaching out to my extended family. I have never received any written communication from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: AZ

Complaint narrative:
Hello, I need this complaint sent to TRANSUNION LLC. It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title 15 chapter 41. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized Inquires. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identify theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent. This is Hereby A Notice of Inaccurate Inquiries ( HARD ) and ( SOFT ) and confirmation of errors. Pursuant to Title 15 USC Code 1681s-2 ( B ). regarding inquires listed I did not consent to, authorize nor benefit from any of these inquiries. Block and remove them : 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 MISUSE  OF MY CREDIT CARD INFORMATION AS DEFINE IN 15USC 1602 USING MY SOCIAL SECURITY NUMBER AS UNDERLINED IN 26 CFR 301.6323 ( H ) -1 fraudulent inquires has caused financial hard ship. this make up XXXX % of my credit score. I have been denied credit, XXXX and XXXX has already complied with the facts of law I've laid out. But Transunion it self over the have phone told me they don't care about the federal codes, that congress wrote for them to follow. Transunion continuously have disregards to the CFR, Title 15 U.S. Code chapter 41 and to the natural people.

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 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX, 2021 there were hard credit inquiries to my credit report. XXXX XXXX, XXXX XXXX XXXX, and CURACAO. I reported the fraudulent inquiries to each financial institution listed. XXXX XXXX and XXXX XXXX XXXX, have sent me letters acknowledging the fraud. CURACAO has not. On XX/XX/2021, CURACAO opened a charge account in my name. This account was fraudulently opened with a credit limit of {$3100.00}. The account was immediately charged the full amount of {$3100.00}. I subsequently placed fraud alerts on all three credit bureaus. I contacted CURACAO customer support ( XXXX ) on XX/XX/2021 and he documented the information. He stated the account was opened and approved online and two XXXX devices were purchased. He also provided me with the last four of my SS number and an old address that was used. ( Old address is from over 7 years ago ). XXXX provided me with a name and email in their fraud unitXXXX XXXX XXXX I attempted to reach her by email with no response. I called CURACAO back today, XX/XX/2021 to get an update but there is no update. So far, CURACAO has not removed the hard inquiry nor have they removed the credit account from my credit reports. Attached are letters from XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Since my first use of PayPal credit card Ive been having problems paying my credit debt. The reason of this is because PayPal limited or purposely limited the way I can pay to charge unscrupulous higher late fees even tho I tried always to pay on time. Im done with this people, I spoke with more than XXXX support agents and none of them are fixing my problem, so, they can keep charging me the late fees they obviously and purposely created. The only way is to calling them, what if I cant call or just dont have a phone to call them? They are limiting my ways of paying my debt on time. 

I will include the names and conversations with the agents, this people must be fired for being against the customers and being pro thiefs. 

Names : XXXX. XXXX 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 monetary relief