vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: VT

Complaint narrative:
Due to a glitch at the State of VT dept of taxes my tax amount was incorrect on my property tax bill. I informed Roundpoint on XX/XX/XXXX that it was not correct and NOT to pay until I had the corrected tax bill. I received and submitted the correct bill, and Roundpoint ( after several reassurances said they have it and its correct ) STILL payed the higher amount which is not correct. They have sent me 5 escrow analysis statements raising my payment by almost {$400.00} and the tax info is still incorrect because they paid the wrong amount. I have asked what the problem is, with no resolve. I have also asked twice now for a manager or director to call me and have not received a call ( even after the notice that it can take 72 hours for someone to contact me ). This is a financial hardship to have to shell out an additional {$400.00} a month, which is going to impact my ability to remain current on my other financial obligations. All something that is not my fault and out of my control and with a mortgage company that has no desire to work to correct the situation.

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 2023-11-06 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: EdFinancial Services
State: FL

Complaint narrative:
Ed financial is my current federal student loan servicer and I am attempting to refinance with XXXX XXXX  for which I need a statement of payoff verification. Ed financial is refusing to provide this statement. I have made multiple calls and requested to speak to a supervisor, but have not received a call back. I am unable to obtain the information needed to transfer my loan out of Ed financial and this issue causing delay for refinancing and coating me time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I opened an account with chime and I had my social security check deposited into my account and as soon as I started spending my money my account was put on hold for multiple occasions claiming I needed to verify so I verified who I was over 15 times, four times with face recognition Ive sent over all my paperwork and every time I give them what theyre asking for they start finding other reason for why my account is locked I have over XXXX inside my account they have denied another {$4500.00} from social security so its put my account on hold and stop me from Receiving my benefits. My main issue is that they dont have a reason for why theyre holding my money and I dont understand how someone could just take someone elses social security benefits XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have written to the companies listed on this complaint, I have written to XXXX, XXXX, XXXX and levied complaints about these unknown transaction. I have sent certified letters that, That have been signed and verified with a notary public stamp and signature.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, Equifax Information Services and XXXX, has violated, my consumer rights by reporting a fraudulent account under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the accounts reporting are not authorized by me. Each Credit reporting agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. 
in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
At this time the account with XXXX XXXX, XXXX XXXX XXXX XXXX, continues to reflect on my credit file. I will be sending a notice of intent to sue regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I have called Vystar since XXXX for an update on my account. I was finally told the account had a XXXX owed after i was told for three months of it reporting as missed payments with a XXXX balance on all three agencies. I went to the branch and paid the single XXXX and it is still reporting as a missed payment with a XXXX balance on all thre agencies. This has taken my score down gerastically

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: OK

Complaint narrative:
So Ive been having this late payment reported on my credit for almost a year and I want to get it removed because it's saying on all the credit bureaus that it is a 30 day late payment when it was 4 days I was late That late payment was on XX/XX/22 and paid on XX/XX/22 the original balance was {$1800.00} but there was a late fee of {$41.00} which brought the total to {$1800.00} And my credit card company is discover and they cant do anything on the part is what I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: MD

Complaint narrative:
On XX/XX/2023, {$500.00} was unexpectedly taken out of my bank checkings account. This put my account in the negatives. I called ED FINANCIAL SERVICES which is the company that handles my student loan right away. After waiting on hold for hours, I finally got in touch with a representative. He put in an emergency request to get my money refunded back to me because it was 4 times the minimal amount that was due and I am currently unemployed. I do not recall putting my account on auto-pay but if I did, that was 3 years ago before the pandemic. I was not aware that auto-pay could get carried over to another student loan company ( because the company I was paying for previously has changed and I didnt even have an account with this new company. ) Either way I should have rights to get a refund if I feel the amount is way too high. I have made several calls to them since then to get any updates on what is going on and got into contact with one of the rudest representatives today. ( XX/XX/2023 ). She had no information/update on when I will receive a refund or if I will EVER receive it and proceeded to threaten me that I still need to make payments on the next due date or it will be sent to collections. Not one time did she ever bring up temporarily pausing my payments or anything knowing how I have already been depleted of {$500.00} and still this company wants MORE payments and money out of an unemployed person which makes no sense. Absolutely disgusted with this company and will never open an account with them ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Remove all the accounts that dont belong to me at all immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was traveling abroad in XXXX in early XX/XX/2023. I attempted to purchase train tickets and the credit card company put a hold on my account for suspicious activity. I contacted the company when I returned home and they stated they were unable to reinstate my account over the phone because I only have a mobile phone and not a landline. they said they were mailing a letter with instructions to follow to unlock my account. I waited more than 10 days and never received the letter. I contacted the credit card company again and after a 20 minute phone call a very disrespectful customer service representative told me no supervisor would be available to assist me for 24 to 48 hours. She stated I needed to wait for the letter to come in the mail. At this point, it has been over a month, and I can not access my card, can not review my balance, and can not make a payment on my account. I am concerned that interest and late fees are accumulating, and I am unable to get assistance from the company to unlock my account. My account name as it appears on my credit card with city is 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I requested XXXX and XXXX credit agencies to remove an account by Portfolio Recovery services. Due to the fact that I have never had an account with this company. I was told that they were able to show validity of an Account that I have had with them which is False information and not legitimate. I have never had an account with the said company Portfolio Recovery. Based on the Fair Debt Collection practices 15USC 1692 Act, Porfolio Recovery is falsley stating that I have had an account with them with my signature with a date of opening an account which is also false and which was never provided to me, by law I was supposed to be given 30 days by letter notifying that this account was going to be placed on my credit file, which I never recieved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On my XXXX credit report it was multiple inquiries from JPMCP Card Bank that I have no knowledge of. The recently did ( XXXX ) inquiries and I didnt havent authorized anything. I want it the deleted off my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
I was called mcm and asked about if I was going to pay, I told them I dont have XXXX near me and I dont shop st this store never have never will, plus I was in the hospital same dates as this card was used in XXXX XXXX and XXXX ks I live 2 hours away from these places

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am signed up for auto-payments. I get the interest reduction for being signed up for this. However, sometimes, they just do not apply the auto-payment, and then they put derogatory marks on my credit report for missing a payment, and they allow interest to accrue, when in reality it was their mistake. They will likely also try to hit me with a late fee according to other people that have had the same problem, but as of yet I have not seen one. 
This months payment ( XXXX ) did not happen, and the reason I found out is because my credit monitoring app notified me of the negative mark. This is widely complained about online by other people and is unacceptable. 
I just manually made a payment that was much larger than the required amount, but the derogatory mark is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
i was denied of buying a house due to incorrect information reported on my credit report as of XX/XX/2023 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE RECENTLY RECEIVED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS & INQUIRES ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNTS AND INQUIRIES FROM MY CREDIT REPORT 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 explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received my consumer reports and noticed they're showing a late payment in XX/XX/2021 and my account was never late. I've reached out to the company multiple times and never got a resolution. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I was never late on payments for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided I demand these payments be updated to on time as they should be because I was never late. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon review of my XXXX and Equifax credit report I noticed some Hard inquiries that were not authorized by me I immediately placed an fraud alert on my reports and asked the bureaus to investigate and remove these fraudulent inquiries but they remain reporting I also reached out to the companies that pulled my credit files and asked them to investigate and remove these inquiries because I did not fill out a application for credit with them and believe I am a victim of identity theft On my XXXX report I request to have these fraudulent inquiries investigated and removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On my Equifax report I request to have these Fraudulent inquiries investigated and removed as i am a victim of identity theft ( XXXX ) on XXXX and XXXX ( XXXX XXXX ) on XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The Bank if America has reported my account as fraud. They are refusing to eremove the fraud off my case. Can't get information to move to next step.

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 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I received a notification of a credit card application at XXXX XXXX on XXXX XXXX. I has no knowledge of this application

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The yr 2016 went to XXXX & XXXX to help with the process of purchasing a property which I believe was a nice price at the time. So I went through them for the purchasing procedure and was mislead my credit score started with and XXXX  when applied for the purchasing agreement then my score started going on down drastically found out that XXXX XXXX XXXXXXXX kept pulling hard inquiries own my credit report. Now I could not qualify because they're practicing predatory lending.

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