vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I received a call XX/XX/year> from someone supposedly being Chase Bank. The phone number was ( XXXX ) XXXX and was listed from XXXX, TN. I know a lot about XXXX and there is not a Chase Bank there and the phone number they called from is a cell phone number. You could tell they were not from Chase Bank. They were not speaking very formal and they called to tell me that I could get a lower interest rate on my credit card. I do not have an account with Chase Bank. She then transferred me after saying that and I didnt respond to her and a man picked up and said hello two or three times before I hung up. So Im not sure what their intentions or what data they were going to try and get from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: NJ

Complaint narrative:
A privacy issue concerning my personal information on my credit report. I am invoking my rights under the Gramm-Leach-Bliley Act ( GLBA ) and seeking clarification regarding the sharing of my personal non-public information. My rights under GLBA, which outlines provisions for the privacy and protection of consumer financial information, may have been violated. Specifically, I am concerned about the unauthorized sharing or use of my non-public information. I am requesting the following information to ensure compliance with GLBA : Documentation of Consent : Please provide any documentation that demonstrates my explicit consent ( OPT-IN ) for the sharing of my personal non-public information. This may include signed agreements, contracts, or any other relevant documents Initial Notice : Kindly supply a copy of the " initial notice '' that should have been provided to me at the establishment of the customer relationship. This notice should outline the terms under which my personal information may be shared. Contracts and Agreements : Furnish any written contracts and agreements between myself and
Experian that explicit

ly grant permission to share my personal non-public information. As per GLBA regulations, the sharing of personal information requires explicit consent, and consumers have the right to know how their information is being used. If the requested documents can not be provided, are not found, or do not exist, I assert that any information on my credit report related to this issue is not in compliance with GLBA. I kindly request that you provide the requested documentation within a reasonable timeframe of XXXX XXXX days from the receipt of this letter.
Failure to do s

o may compel me to escalate this matter, including filing a complaint with regulatory authorities, to ensure my rights are protected under the law. I only received the attachment no proof of written contracts and disclosures that I signed giving you consent to share my NON-PUBLIC personal information And sell my information for MARKETING ARE NPI VIOLATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
Roundpoint Mortgage requested a copy of the flood insurance for my condo at XXXX XXXX XXXX XXXX XXXX NJ - which they should already have had. I sent a copy to them. They claimed they did not receive it. XXXX XXXX XXXX sent it a second time directly to Roundpoint on XX/XX/XXXX, and verified that Roundpoint received it. On XX/XX/XXXX I received a letter from Roundpoint stating they purchased a {$2000.00} " lender-placed flood coverage '' policy for me from XXXX XXXX XXXX XXXX . This was not authorized and not needed, because I already had flood insurance in force with XXXX XXXX. 

The money to purchase a second flood policy was taken from escrow, causing a shortfall in my mortgage. To recover the shortfall, they increased my monthly mortgage payments from {$2500.00} to {$2600.00}. The loan number is XXXX. 

To add to this nightmare, I sent in extra money to cover the difference in my mortgage payment ( caused by their error ), but they applied it to principal. This will now cause my XXXX mortgage payment to be short. I will incur late fees and penalty charges. They are also telling me it will be approximately XXXX  days for them to research, issue a refund, and- if they do agree to the refund- for the bank to send a check for the {$2000.00}. 

I was told the cause of this is, " a new system that is causing the same problem for a lot of people ''. Who is monitoring this company? It has been a series of problems since they bought my loan from XXXX XXXX. If they can not service loans properly action needs to be taken.

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 2024-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Property Receivables, Corp
State: CA

Complaint narrative:
I was informed by Property Receivables , Corp. d/b/a CollectTech that they were trying to collect a debt provided to them by the XXXX XXXX managed apartment community of the XXXX XXXX XXXX in XXXX XXXX , CA . No such debt existed and any debt provided to this collections agency was in error. Property Receivables , Corp. did not provide an explanation of the debt, did not provide an itemized bill or proof of the debt, and took no action to verify that the debt was valid. Property Receivables , Corp. filed a derogatory mark on my credit report and a late payment notice, which has now significantly reduced my credit. I contacted the apartment community and they said it was reported in error and will be fixed with the collections agency. I called the collections agency the next day and they said they filed to remove this mark. However, because my report has a derogatory mark, I have now been declined for credit approval. This company should be reprimanded for their actions. This property management firm should also be reprimanded for their errors, which in turn have caused hardship for my family and me. They knowingly provided erroneous information to a debt collections agency to see if they could gain financially. How many other people paid without question? How much money have they received that is not rightfully billable? Their behavior and actions are fraudulent and they should be investigated and audited.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
I received a car loan through Credit Acceptance. The car was totaled in a hailstorm in 2023. They had the car towed and it was no longer in my possession. They repeatedly contacted me, stating I had a balance. Once the balance was paid, they continued to report me to the Credit Bureaus. 

Also, before the car was totaled, they repeatedly reported me to the credit bureaus stating I was XXXX  days late on my payments when I was not.

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 2024-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: BlueChip Financial
State: FL

Complaint narrative:
Says loan was taken out XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}. XXXX. Ref XXXX. Online loan never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have always made it a priority to pay my bills on time, and I have a strong payment history with other creditors to support this statement. However, I believe there has been a mistake in the reporting of the late payment ( s ) mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Dear CFPB, I am writing in reference to the recent response of XXXX, XXXX and TransUnion to my CFPB complaints, dated XX/XX/year>, regarding the status of certain accounts on my credit report. It was indicated that the following accounts were verified on their end but are unverified and incorrect to other Consumer reporting agencies. 

As you can see, their information were inconsistent and doesn't match with each other despite obtaining all their records from the same person or entity or creditor. 

XXXX XXXX XXXX - Account # : XXXX- Same Inconsistent Details XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : XXXX - Removed in XXXX and TransUnion on XXXX XXXX  XXXX - Account # : XXXX - Removed in XXXX on XXXX Given that the other major credit bureaus have acknowledged and acted upon the removal of the mentioned accounts, it raises questions about the accuracy and thoroughness of the verification process. I need detailed information on how these reporting agencies validated the authenticity of these accounts. 

I am eager to resolve these discrepancies promptly. It is crucial that my credit report accurately reflects my financial standing. If there are inconsistencies or errors, I kindly request that they must reevaluate thoroughly the verification process for the mentioned accounts and consider their removal. 

Thank you CFPB for your assistance, as always, you have helped me on how to resolve all of these incorrect reports. 

Respectfully, 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 2024-02-01 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Dear CFPB, I am writing in reference to the recent response of XXXX, Experian and XXXX to my CFPB complaints, dated XX/XX/2024, regarding the status of certain accounts on my credit report. It was indicated that the following accounts were verified on their end but are unverified and incorrect to other Consumer reporting agencies. 

As you can see, their information were inconsistent and doesn't match with each other despite obtaining all their records from the same person or entity or creditor. 

XXXX XXXX XXXX - Account # : XXXX- Same Inconsistent Details XXXX  XXXX XXXX XXXX XXXX XXXX  ) - Account # : XXXX - Removed in Experian and XXXX XXXX XXXXXXXX XXXX XXXX - Account # : XXXX - Removed in XXXX on XXXX Given that the other major credit bureaus have acknowledged and acted upon the removal of the mentioned accounts, it raises questions about the accuracy and thoroughness of the verification process. I need detailed information on how these reporting agencies validated the authenticity of these accounts. 

I am eager to resolve these discrepancies promptly. It is crucial that my credit report accurately reflects my financial standing. If there are inconsistencies or errors, I kindly request that they must reevaluate thoroughly the verification process for the mentioned accounts and consider their removal. 

Thank you CFPB for your assistance, as always, you have helped me on how to resolve all of these incorrect reports. 

Respectfully, 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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against Bank of America 's credit card department for charging me late fees since XX/XX/2023 to present, despite having an active auto-pay set up from my bank account. Throughout this period, I did not receive any notifications about missed payments or potential late fees, either via phone or electronic communication. 

Details of the Complaint : I have maintained an auto-pay for my Bank of America credit card account since the account was open. 
Since XX/XX/2023, my bank statements confirm successful automatic payments made towards my credit card on the due date each month. 
Despite these timely payments, Bank of America charged me late fees every month from XX/XX/2023 to present. 
I never received any notifications about missed payments or potential late fees from Bank of America, either by phone or electronically. 

Impact of the Complaint : These late fees, charged in error, have caused me significant financial hardship. They have negatively impacted my credit score and caused unnecessary stress and frustration. 


I am also willing to provide any additional information or documentation that may be helpful in resolving this issue. 

Thank you for your time and attention to this matter. I look forward to a prompt and fair resolution. 

Sincerely, 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 2024-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MD

Complaint narrative:
I received a letter on XX/XX/XXXX confirming that my automatic payments had been cancelled for my mortgage with Primary Residential Mortgage. I did not ever request a cancellation, so my wife tried to rectify the situation online by turning on automatic payments, with no luck. I then received an email from a new mortgage company, XXXX, on XX/XX/XXXX alerting me that they were now servicing my mortgage, starting XX/XX/XXXX, XXXX days later. I was unable to make a payment on my mortgage today when payment is due because I was not properly informed of the transfer in the proper timeline. I believe federal law dictates a minimum of XXXX days notice before the transfer of the mortgage. Any notification came XXXX days before the transfer, with no notification coming from our original mortgage company, PRM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear CFPB, I received a check for {$200.00} that Wells Fargo sent me with an apology about messing up my original loan modification application in XXXX, when at the time were making up excuses and losing documents, and requiring I miss a mortgage payment in order to qualify for a loan mod. My credit got ruined because of Wells Fargo. My business was XXXX XXXX  and when credit dried up in XXXX I had no income, so messing up my perfect credit to get a loan modification was the first domino. When other creditors saw my late payment they cut off all credit. Then Wells Fargo gave me a trial loan mod and I paid, but they denied it due to income, which ratios I knew were just fine. They disavowed the trial loan mod by returning the checks because they sold the loan in XXXX  to XXXX XXXX XXXX XXXX and XXXX XXXX  in a credit default swap scheme of portfolio loans, likely the reason they kept denying me assistance. They foreclosed on my home and I then lost all my other properties along with my net worth of XXXX XXXX. So no, {$200.00} and an apology doesn't cut it. I'm sending proof of Wells Fargo selling my loan so they didn't have to service my loan modification, thereby taking a loss.

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 2024-02-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As a knowledgeable consumer, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to formally dispute the handling and reporting of Account # XXXX  XXXX linked to my credit file. 

Upon checking my credit report, I noticed the account mentioned above was marked as closed in XX/XX/XXXX. However, even after receiving confirmation of its deletion on XX/XX/XXXX, I found it was still reported on my credit file beyond the statutory period for such reporting. This overstep violates the timelines outlined by 15 USC 1681c-2. 

This delay and misreporting not only breach the FCRA but also infringe my rights under 15 USC 6802. The account, once closed, should not have been reported or misrepresented in any subsequent credit reporting. This mistake suggests a procedural error causing significant mental and financial distress. 

Moreover, the ongoing reporting of this account infringes my rights under 15 USC 1611. As per 15 USC 1692g ( c ) ( 2 ), I can seek monetary relief for each violation of these laws. It's important to note that such credit reporting inaccuracies can deeply and permanently affect a person 's creditworthiness and financial stability. 

I request compensation for the distress and potential financial impact these violations have caused. According to the FDCPA and FCRA, I can claim statutory damages of up to {$1000.00} per violation, plus any actual damages suffered. 

Please note that if these issues are not promptly resolved, I may be forced to take further legal action to protect my rights and seek all remedies available under the law.

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 2024-02-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
XXXX XXXX c/o PHH mortgage services did not apply a payment for a XX/XX/XXXX. The company is currently working under Ocwen Loan servicing as well. Our bank confirmed the payments was collected on XX/XX/XXXX from Ocwen. Owen & PHH were in the process of transferring on XX/XX/XXXX. We immediately contacted the company about this missing funds. Never resolved. Then PHH changed the statements 3 Months later to XXXX XXXX, C/O PHH. My wife continued making monthly payments, even though we were actually ahead, and in XX/XX/XXXX., paid XXXX & XXXX early. Again negative reporting to credit bureaus, Charged bogus fees, Also XX/XX/XXXX payment history received by PHH per our request,, Not only had they not applied/ & corrected the XX/XX/XXXX payments. But the transferred amount was increased by Over a 100,000 + and they continued charging interest on this inaccurate balance for over 12 months and have yet to resolve or refund.After further investigation. We were informed that there were two other fraudulent loan modifications associated with our account. They mailed these to us for review. The first fraudulent loan modification sent by PHH, was clearly fraudulent. The terms were obviously not legally binding. No signatures. And Upon further review noticed the loan number associated on this document had also been associated with another fraudulent transaction, in which our loan number was purposely changed on a bank check that was so similar it went undetected for years until we were mailed these documents by PHH in XXXX.This fraudulent files had a ballon of roughly XXXX. Increase in Interest rates. Etc. The second set of documents sent about a loan modification in XXXX. Another example of Bad business practices & predatory practices. Offered trail, but someone changed the terms in XX/XX/XXXX. We questioned this and have evidence that we wanted to have a full breakdown as this was not the deal ( threatened with foreclosure proceedings ) as someone either mixed files or maliciously made alterations & copied signatures from public documents? This time there was a another additional ballon of over XXXX. We have lived in our home since XX/XX/XXXX. We only borrowed XXXX. Thats all. We are well ahead of our monthly payments by method of a Processional accountant. We demand that the debt collector stop this fraud & adjust all payments interest escrow, fees, etc immediately.

Company response to consumer: Closed with explanation