vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX XXXX  XXXX has confirmed that the account on their records is the result of identity theft and fraud. Unfortunately, our experience with ChexSystems and XXXX XXXX XXXX has been nothing short of frustrating and disappointing. These agencies have been belligerent with our private and personal information and have refused to properly investigate and remove the fraudulent item from our records. 

Despite multiple attempts to reach out to ChexSystems and XXXX XXXX XXXX they have not provided us with a satisfactory response or conducted a proper investigation. This leaves us with no choice but to demand the removal of the fraudulent account from our profile. 

The actions of ChexSystems and XXXX XXXX XXXX are in direct violation of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines, as specified in USC Title 15, Chapter 41 and 12 CFR Part 1022, respectively. These laws require that credit reporting agencies conduct a reasonable investigation of disputed information and promptly correct any errors or inaccuracies found. 

Furthermore, the failure of these agencies to comply with these laws not only puts consumers at risk of identity theft and fraud but also causes them significant harm and financial loss, which is a violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as specified in USC Title 15, Chapter 41, Subchapter II and 12 CFR Part 1005, respectively. 

As such, we demand that ChexSystems and XXXX XXXX XXXX not only remove the fraudulent account from our profile but also provide compensation for the emotional distress and financial hardship caused by their negligence. We call upon these agencies to take immediate action to rectify the situation and comply with all legal requirements. We will not stop until our consumer rights are upheld, justice is served, and we are fully compensated for the harm caused by their actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Credit card company has been applying my payments to 0 % APR balance instead of 27 % APR balance. It is my understanding they can not do this. I have called them twice now and spoken with 3 different people. 
Per CARDS ACT credit cards should allocate payments above minimum to higher interest balance first. 

Please see 3 months of statements. On XXXX statement, there is a total balance in the account of {$18000.00}. This is split into {$12000.00} at 0 % APR and {$5300.00} at 27 % APR. 
I made a payment of {$2800.00} that should have been applied to higher APR balance. 
Instead, on XXXX statement I see my 0 % balance decreased to {$9200.00} and I was charged interest of {$220.00} You can see this numbers on the last page of my statement where the balances are separated per APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TN

Complaint narrative:
They removed some of the accounts due to ID theft but not all. They also didn't comply to the 4 business day rule that the statute requires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: TN

Complaint narrative:
They removed some of the accounts due to ID theft but not all. They also didn't comply to the 4 business day rule that the statute requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: VA

Complaint narrative:
I have satisfied the account with the following company for the XXXX XXXX XXXX XXXX  and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act DEPT OF ED / XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 2023-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My student loan with XXXX XXXX was sold to XXXX XXXX XXXX in XXXX of XXXX. At that time, my student loan payment was {$370.00}. I have made almost all my payments on time ( with an exception after my house caught fire and another where I had an unexpected medical expense ) and frequently larger amounts than have been requested, but my variable interest rate continues to rise and so does my payment amount. I spoke with someone today on XXXX at XXXX XXXX  and asked how I could lower my payments. She told me one way to lower it XXXX XXXX, but said that every three months, my rate would continue to increase. 

This didn't seem correct to me ; I've had a variable interest rate on my student loans since XXXX of XXXX and XXXX XXXX had lowered it before when the market was good. I know the market is bad now, but she distinctly said that it would raise every three months. I sought advice from my parents, who told me to request a Terms of Service from them. I called back at XXXX XXXX  and spoke to another person who said that my rate was actually adjusted monthly. She also said very clearly that variable rates do not go down and that it would continue to rise until I hit my maximum interest rate of 18 %. 

I understand that if I had signed a contract with this company saying that, I would be at fault, but I did not. My original loan that I signed a contract for was with XXXX XXXX and my loan back then was clearly variable and amounts went up and down. I'm highly concerned about this, as I don't work in a very high paying role ( I work for a non-profit ) and if my loan will keep slowly marching to an 18 % interest rate even when I'm paying over what I owe, I won't be able to survive. I'm paying {$550.00} a month right now, which is a huge strain on me. It's a variable rate and should be able to decrease, I just need them to reassure me of that and they tell me that it won't. For the record, in XXXX of XXXX, I was paying {$370.00} ( or about 8.36 % of my annual pay ) and I'm now paying {$510.00} ( or around 11.21 % of my annual pay ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
2 Inquiries showing on the credit report from XXXX XXXX and Syncrony Bank that doesn't belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America denied us a HELOC based on the value of our home. However, they refuse to provide us with details as to how they came up with a home value over {$60000.00} below what their XXXX system on their website publishes, although that is supposedly what they used, what comparables they are using, or any other details that would explain why they are undervaluing our home by that extreme of an amount. The home was refinanced in late XXXX through the lender and they even appraised the home higher than what the amount came back on the latest appraisal that BOA can not and will not provide any answers to. When they were provided with direct comparables within the last 90 days of homes that are of the same vintage and even exact style as our homes they were denied stating that they were not appropriate comparables even though they are XXXX streets over, within our actual neighborhood, and again are even of a similar style/floorplan as many homes in our neighborhood were built at the same time and just have slight variations. This has already been escalated to their supervisors but they still refuse to provide any details or clarity as to how the evaluation number was reached. They obviously had no problem running our credit or collecting excessive amounts of information regarding our personal information ( which they also lost twice ). I can only imagine that demographics are at play somehow to impact the way they are making their decisions and hurting those of us who have no power to do anything to stop them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have reached out to all XXXX credit bureaus to verify debt with the furnisher for the following companies : 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 I have not received original contract from either company to date. Dates of mailed letters : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Ive had disputes with my current landlord, XXXX XXXX XXXX, XXXX XXXX XXXX owned company. The employees verbally assaulted me on multiple occasions and forge documents. The employees are also slandering and defaming my reputation. I have witnessed many acts of fraudulent activities and have informed the FBI, FTC, XXXX  and other government agencies. The merchant name appears as XXXX XXXX XXXX on my Apple Card. Ive informed the customer service representatives but I dont think they understand or know how to resolve the issue. Ive also informed HUD of the discrimination and verbal assaults/stalking. Ive also filed multiple police reports. The disputes with this landlord is related to another complaint regarding the disputes with my XXXX XXXX XXXX. 


Ive also had some disputes involving my XXXX trips. For whatever reason, my room keeps getting broken into when I leave and my articles of clothing go missing. Furthermore, the employees at the reception desk appear to be running some sort of scam/fraud. The keys to my room appear to mysteriously stop working and the hotels refuse to provide me with a digital card. Ive called the different hotel customer service lines but often times, they are not able to help. Ive also had issues with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ive filed complaints regarding the XXXX XXXXXXXX  and XXXX with the airlines, XXXX and flyers rights agencies. 

Lastly, I had some disputes involving a previous doctor that I was seeing that performed XXXX XXXX and also XXXX  me. I dont think she even has a medical license in this state as my insurance company and state XXXX insurance had problems with her paperwork. I have filed a complaint with the Arizona XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ascension Recovery Management
State: OH

Complaint narrative:
I received a letter in the mail today XXXXXX/XX/XXXX from acension recovery management llc stating they are trying to collect a debt that I owe XXXX XXXX XXXX XXXX XXXX. I am unaware of this debt and tried to call the number provided to dispute ( XXXX ) and also the number on their website ( XXXX ) multiple times to each number and my call never gets answered nor do I have the option to leave a message. The letter states I have 30 days to dispute this charge which I am trying to do but nobody answers the phone at either number during business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-03 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: NV

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington mortgage is refusing to delete the account that was deleted from XXXX XXXXXXXX XXXX and last payment was XX/XX/2014, none of the information they are reporting is correct, credit bureaus are not wanting to remove it, even though they have the information when it was deleted from XXXX  XXXX XXXX, same account that Carrington is illegally reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank took over my mortgage from XXXX XXXX XXXX on XX/XX/XXXX Title Document Plymouth Registry of Deeds. Document # XXXX. 
Loan # XXXX Amount {$100000.00} 15 year Fixed Citibank sold the mortgage to XXXX XXXX in XXXX Loan # XXXX Mortgage balance with XXXX XXXX is under {$25000.00} While applying fro a home Equity loan recently, I was made aware that Citibank never release the lien on my property when they transferred to mortgage to XXXX XXXX I have made several calls to Citi bank. I have emailed lean.release@citi.com and gotten no help or response The folks at XXXX XXXX, even though they should have caught this, just refer me back to Citibank. 

Meanwhile I can not do my home improvements and the rates are going up. My HELOC has been approved, but I can not move forward until this lien is released. 

I have my hands tied by a bank no longer in this business. 

PLEASE HELP! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA. 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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Ive sent in dispute letters to Experian, XXXX, and XXXX XXXX for 8 months straight since XX/XX/2022 and have not been notified of a status of my disputes at all. No one has done any work on my credit report for almost a year. That is unacceptable and violating my consumer laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Parkway Financial Group, LLC
State: FL

Complaint narrative:
XXXX servicer granted us a forbearance because of our toddlers large medical needs and recent XXXX  which also happened to be during covid 19 ( my husband was out of work as well ) and said they would put the amount to the back of the loan. Over the past week, they have been trying to demand the forbearance in full because they say the loan carrier inspire home loans said its either we pay full or nothing. I have supporting documentation that states we can resume our regular payment on XX/XX/2023. They accepted a payment in XXXX {$1400.00}. Over the month, we have been trying to set up a REPAYMENT plan now that our forbearance has ended. Since they will not place it on the back of the loan like they initially told us they would. We can pay our standard {$1500.00} a month plus an extra {$1000.00} a month for a total of {$2500.00} for 12 months. And have seen no results.. inspire home loans said they need to speak to their legal team about repayment plans, ( they are trying to say {$4000.00} if they get the ok from their legal team a month even thought we only owe XXXX in forbearance and it should be able to repay over a 12 month span ) and they cant risk putting the forbearance to the back of the loan even though our house is worth double the amount owed. Inspire home loans even had the nerve to transfer us to the foreclosure department, where they told us we werent in foreclosure.. & then a servicing manager asked for the forbearance documentation that I have because she couldnt access it herself because she said loan care was hanging up on her.. its been an absolute nightmare. 

I even offered to pay them {$4000.00} on XX/XX/XXXX. They would not take it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
We bought XXXX XXXX points in XX/XX/XXXX. We were told that we could get " an interest free loan for 15 months '' by getting a XXXX XXXX Amex card & using it for the purchase price which we did. The price was {$15000.00}. With fees it was {$16000.00}. We were told there was also an annual membership fee of {$250.00}. We received an Amex statement with a balance of {$16000.00}, a due date of XX/XX/XXXX, & a minimum payment of {$320.00}, which I paid. The next month the statement had a balance of {$16000.00}, a due date XXXX, & a minimum payment of {$320.00}, which I paid. It showed that we had paid interest of {$3.00}. The next month there was another minimum of {$310.00} ( balance {$15000.00} ; due XX/XX/XXXX : interest {$4.00} ). On XX/XX/XXXX I called customer service ( XXXX ) asking why we are getting billed ( with interest ) when we were told it was interest free. We were told that the " fees '' were not covered by the " no interest '' promotion. The fees were not specified nor quantitated. I then asked what was the minimal amount I needed to pay above the new minimum ( {$310.00} ) in order to bring the balance down to the the level where no payments were needed. I was told the answer was {$250.00}. I then paid that total ( {$570.00} ). 

This month 's statement has a balance of {$15000.00}, due date XX/XX/XXXX, minimum of {$300.00}, & interest {$1.00}. This balance is BELOW the purchase price ( {$15000.00} ) for which we were PROMISED a 15 month interest free period. 

I was VERY clear when I called that my goal was to eliminate the need for payments. I asked the agent multiple times if he understood & he assured me that he did. It was a long call because the agent had to consult his superiors. It is hard to believe that this is an innocent mistake. 

I believe this is fraudulent. I believe it is intentional deceit on the part of Amex ( & possibly XXXX ). The interest amounts are small, but I DO NOT want to pay ANY interest & I went out of my way to try to achieve that. Also small amounts add up with many cardholders. I am hoping that you can resolve the issue for me.

Company response to consumer: Closed with explanation