vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Active Foreclosure Court Case Since XXXX XXXX - XX/XX/XXXX : Divorce process. 

XX/XX/XXXX : I called the bank 's customer service to request information on how to lower the mortgage payment due to divorce and child support expenses, among others. 
From customer service the call was transferred to Loss Mitigation Department. 
XXXX XXXX from that department told me that I must skip 3 payments in order to qualify for Loss Mitigation. 

In XX/XX/XXXX I made the XX/XX/XXXX payment. 

From XX/XX/XXXX through XX/XX/XXXX I made many calls to the Loss Mitigation Department to get the Loss Mitigation Package and they did not send it to me until I contacted HUD and HUD intervened. 

XX/XX/XXXX : Contacted HUD due to difficulty receiving loss mitigation paperwork from the lender. 
Shortly after HUD intervention, lender sent the requested paperwork. 
XX/XX/XXXX : Qualified for a loan modification. Was not evaluated for other options, can see it on letter attached. 
XX/XX/XXXX- XX/XX/XXXX : Made trial payments for the loan modification. 
XX/XX/XXXX : Co-borrower did not sign the loan modification paperwork. 
XXXX did not offer alternatives or solutions and rejected my attempt to still make payments because they only accepted payments if I pay the past due in one payment. 

XXXX also limited the online payment options. 

XX/XX/XXXX : II sent a letter appealing the loan modification denial due to co-signer refusal. ( No response received ) XXXX Attempted to contact lender representative XXXX XXXX regarding loan modification or alternatives, but calls and messages were not returned. 

XX/XX/XXXX : Received two letters from the lender regarding missed communications on their end. Called the Loss Mitigation Department and denied the help unless the coborrower sign. 
XX/XX/XXXX : Responded via email to both letters from XX/XX/XXXX, clarifying I did not receive prior communication attempts and inquiring about the mentioned loss mitigation options. ( Email read -I used mailtracking- but not received response from loss mitigation representative ) Foreclosure filed XX/XX/XXXX without receiving the letter in compliance about the appeal I made on XX/XX/XXXX nor the letter that loss mitigation was over. 
XX/XX/XXXX : Received a HUD letter about options and FHA requiring the mortgagor review the situation. While in court conflict remediations the only thing the bank attorney and the representative XXXX said that the coborrower must sign or that I have to put the loan current. They only will review if the coborrower sign the loss mitigation application. 

Since then Firstbank lied to the court several times saying that I never requested Loss MItigation, never received an evaluation and that I never been in a Trial Payment Plan. 
However, the evidence they presented to the court in the form of a collection letter indicated that I was actively engaged in loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keystone Law LLC
State: IL

Complaint narrative:
Received a notice from Keystone Law LLC saying I owe some XXXX  bills. That can not be accurate as my insurance covered all my work and I was never notified by the XXXX Provider that I owe them money. They closed the business last year unfortunately. 

Need this harrassment to stop.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX RE : Update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report as soon as possible please. 

Please delete the follow inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the follow inaccurate addresses : XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX TX XXXX. 


Please delete the following invalid phone numbers XXXX XXXX Please delete the following inaccurate employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filling this consumer complaint and consumer check for compliance these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 


Regards 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 2024-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
Chime lied abt the money transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
It was XX/XX/year> a Friday Friday I checked my bank account. I got paid about an hour after I checked it. I looked at it again. All my money had been transferred to an email address. XXXX. So automatically I called Chime my bank and told them about it and the first claim the first dispute that I had made they denied it so I did a second dispute and they denied that XXXX also and I told them that a week before this happened that my phone has been hacked. Someone hacked my phone number in my XXXX account asking people for money so I change my number change the passwords and everything so they were still in my in my phone, so thats about it. Thats everything Ive got and I got an email today from Chime saying they werent going to refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: NV

Complaint narrative:
After checking my credit report I recently realized that my mortgage company M & T Bank were reporting a 30 day late payment for XX/XX/year>. Right away I realized that was a mistake. I have recently experienced a financial hardship and was approved for assistance on paying my mortgage loan through a company called " Nevada Homeowner Assistance Fund, ( NHAF ). '' Immediately I logged onto my account to confirm when my initial mortgage payment started. After logging onto my account it stated that I was " approved and funded '' on XX/XX/XXXX of 2023. It also has a section labeled " status '' that confirms whether a payment is processing, pending or has been paid. My Status for that payment is recorded as " paid '' on XX/XX/year> ( XXXX ). I tried to print that information as well but the page kept getting cut off on that section, but you can clearly see the " Paid, 11 '' which is a clear indication that my mortgage was paid in XXXX. I will upload the document so you can see exactly what I'm explaining on this complaint. All of this information proves that I was never 30 day 's late on making my payment in XXXX, I paid on time within the 30 day timeframe. 

I called M & T Bank to explain what they were reporting to the credit bureau was incorrect and it should be an on time payment rather than a 30 day late payment. They continued to say " our records show you were 30 days late, and you have to make a dispute with the credit bureau. '' Once I made a disputed for the 30 day late payment they denied my request to correct the mistake, which led me hear to file this complaint.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have written several letters to Equifax requesting that they correct and remove the following inaccurate personal information from my credit report : The following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also filed a complaint with the Cfpb on XX/XX/XXXX about this same issue with Equifax and they still have not resolved the issues. They are in violation of Section 1681e ( b ), ect Accuracy of Report of the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
They just wont stop calling me!!!! Repeatedly! Every day! From different numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, my wallet was stolen or lost on XX/XX/XXXX. There was an account open in my name with all of my demographic information on XX/XX/XXXX. I discovered this information and contacted the bank and they informed me that there was an account opened in my name on the XXXX on XX/XX/XXXX. I was had gotten an email blast that the account was overdrawn XXXX {$840.00} on that date. I also called the bank and inquired about whether I would be responsible for that and they informed me that since I let them know that there was possible identity death that day I would not be responsible for those XXXX XX/XX/XXXX. I also attempted to call all the credit bureaus and let them know about this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX RE : Update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report as soon as possible please. 

Please delete the follow inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the follow inaccurate addresses : XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX TX XXXX. 


Please delete the following invalid phone numbers XXXX XXXX Please delete the following inaccurate employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filling this consumer complaint and consumer check for compliance these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 


Regards 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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX RE : Update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report as soon as possible please. 

Please delete the follow inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the follow inaccurate addresses : XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX TX XXXX. 


Please delete the following invalid phone numbers XXXX XXXX Please delete the following inaccurate employers XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I am filling this consumer complaint and consumer check for compliance these particular items that you are reporting under XXXX XXXX XXXX sec. XXXX. I have enclosed copies of my state issued identification and social security number to validate my identity. 


Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Citizens bank wrongfully closed my checking account on XX/XX/year>. I had my employer place a stop payment on my payroll check on XX/XX/year>, once I realized my attempt to change my direct deposit information had not updated. It was not until XX/XX/year> that my companys HR department contacted me saying that the funds had been deposited into my closed account anyway and the companys account had had the funds withdrawn on XX/XX/year> and that citizens had refused the stop payment even though it is illegal to accept funds into a closed account, even if it is overdrawn. The account was only overdrawn because citizens took funds that were awaiting pre authorized bill payments and placed them into my other citizens account to cover a bounced check, which i thought was also illegal, only on missed loan payments if they are with the same bank, can the bank withdraw funds from a checking account. This occurred on or around XX/XX/year> i unfortunately dont remember the exact date. The bounced check was a fraudulent check in my name deposited into my account and when Citizens froze my accounts was the first I heard of it. I filed a fraud complaint that day, was told my account was under review with me as the suspect. I never heard from citizens again and was told no information about what was going on with my account. On XX/XX/year> I received a letter saying my account had been closed and to my surprise it was not the account that the fraudulent check was deposited into, it was my main checking account, the one where all my direct deposits go. I have since requested bank statements from citizens to no avail, I just want to know what is going on with my account, and why I can not at least even have the remainder of my paycheck so I can survive, there is no way the account was overdrawn by XXXX, which is the amount of my payroll, so citizens is just simply withholding my money. That payroll check never should have been able to be deposited into my checking account on XX/XX/year> though if the account was closed, so Id really like my entire check also seeing how the fact that it was overdrawn at the time of the payroll deposit was not my fault. They allowed major fraud on my account, I did not deposit that fraudulent check, and instead of looking into it like I asked them to, they made the problem so much worse and now i am unable to pay my rent and buy food because they are withholding my money unfairly. Please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To whom it may concern, I believe I am unfairly treated by the unjustified reduction of my credit limit from {$9000.00} to {$4000.00} without reason and notice. This is effect reduced my credit rating from a Good standing of XXXX, to XXXX. This happened on XXXX XXXX. 

I have a total of {$9000.00} credit limit on my Chase Sapphire credit card with card number XXXX under my name : XXXX XXXX I carry a credit card balance, but I have never missed even a single month of payment due since its existence. The credit card was opened only this year XX/XX/year>. 

I am complaining about an unjustified credit limit decrease. For more info you can reach me in my email or this number. 

XXXX XXXX XXXX owner Please remove personal informations and sensitive information on this desciption.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In Early XXXX  your Company Help me get A collection off my Credit Report that XXXX XXXX XXXX XXXX  on my Report!! Once again XXXXXXXX XXXX XXXX places a collection on my Report!!! On XX/XX/XXXXXXXX XXXX XXXX XXXX!!! I had ask for any Information or paperwork they may had for this account!!! Also I ask them for an address that was given and that state Another address I never lived at. Also I asked the in XXXX  for something to be sent to me because I still have XXXX XXXX XXXX  Now!!! But they never emailed or mailed me anything please help me!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: CA

Complaint narrative:
I had recently been lucky enough to have a friend put me as an authorized user on his XXXX XXXX, this XXXX XXXX has a {$18000.00} limit with a XXXX balance and was opened in XXXX, my credit score at the time was starting to go up it was about 678 and I was placed as a authorized user about a week after that. Once it went through and the credit bureaus picked it up and accounted for it, I believe they unfairly and for no reason that they could explain or anybody else for that matter, dropped my score 145 points instead of increased it. This card was triple my current credit limit, it was 10 times my credit age and it should have increase my score quite a bit but there's absolutely no other indication that anything else happened, no closed accounts or anything strange in a long time, and most definitely not on the day they factored in this severe drop, so I called the credit Bureau in question ( x2 ) and I asked them what's going on. The gentleman could not explain it, he could not find any reason for it and he even mentioned that it's probably just a malfunction within the system. My credit utilization has been at 3 % and I have been paying all of my bills and trying my darndest to save my family 's legacy with a auto repair shop that is struggling severely that was opened in XXXX by my grandfather. I have done everything I can to appease the bureaus but no matter what I do it seems to go back the other way and most of the time they can't explain it, what I'm asking for is to please look into my credit score as a whole because I feel like I have been unjustly prejudiced against from past grievances, As if a higher credit Limit and XXXX times the credit age is somehow a negative. I used the bureau 's simulator to see what I would have to do to get a score drop that's severe of XXXX points and I would have had to have claimed bankruptcy for it to even to get close and it still wouldn't be XXXX points. I believe it was supposed to go up XXXX points from getting that card not down XXXX. There's nothing else that happened that day nothing came in that was new as far as a closed account or any type of derogatory, I had multiple professionals check my report and I went over it with a fine tooth comb XXXX times myself to see what was going on and why this drop when it should have been going up, but it was only that card that was added which was supposed to be a huge positive for me, I was going to be able to apply for a XXXX loan and save my father 's company, Instead we're about to lose everything if this doesn't get fixed soon and I start getting treated fairly by these credit bureaus.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to request your assistance in resolving an issue related to my credit report. I have noticed that an account which should have been removed after the seven-year period is still appearing on my credit report. 

On XX/XX/year> I notified Equifax that XXXX which was opened on XXXX is XXXX XXXX XXXX and must be removed from my credit report. They have yet to remove this account from my credit report and it is hindering my livelihood. 


According to the Fair Credit Reporting Act ( FCRA ), negative information, such as delinquencies, should only be reported on credit reports for XXXX years from the date of the first delinquency. As this account reached its seven-year limit on XXXX it should no longer appear on my credit report. 

I have previously contacted the credit bureaus to dispute this matter, but the account has not been removed. I am now seeking your assistance in ensuring that this outdated information is removed promptly from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief