vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied to refinance our primary residence. I have been a full time employee by my school district over the last 14 years. I took off 3 years for a maternity leave from XX/XX/XXXX until XX/XX/XXXX. After starting again in XXXX of XXXX, I took off one semester of unpaid leave because my school district would not allow me to continue to work remotely. As I have a young son who we did not want to expose to Covid in a daycare setting. I was just denied due to " Frequent job changes or unemployment gap. No history of stated income. Income history insufficient in my employment history. '' I have been with the same employer for 14 years and yes, after I had a baby I took off for a maternity leave and then one semester for an unpaid leave during Covid to protect my son and family. I find this practice to be discriminatory! My home lending advisor is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
I had been using Xoom to transfer money to the XXXX for friends ( or so I thought ) that had been impacted by the pandemic. On XX/XX/2021, they closed my account. The only thing I can speculate as a reason is that one of my recipients may have been fraudulent. Their termination notice said : " Sending transactions to a recipient who has violated the User Agreement can also affect your ability to use Xoom. '' As a consumer, I have no way of knowing this information in advance and due to a lack of transparency, there is no information to prevent this happening in the future. I have only sent small amounts to a variety of friends, typically in the range of $ XXXX {$200.00}. To the best of my knowledge these were all individuals and I had no suspicion of an criminal activity. 

I experienced this type of problem ( account closure ) with other remittance companies. In each case I had no indication of the real reason that the account was closed. If there are indeed " recipients who has violate the User Agreement '' then shouldn't Xoom ( at the very least ) provide a recipient verification service to let me check if a recipient is valid with Xoom. As a consumer, I don't have access to millions of transactional records to verify that a recipient may have violated their terms of service. 

It is indeed possible that I made some other error/violation of their agreement. Without transparency about the reason for closure, I am likely to repeat the inadvertent violation with another remittance company in the future. I am would like to use the service, but they stated that the closure is not eligible for any appeal process. Given that their is no appeal, I feel that there should be some transparency about the closure process. 

This closure occurred on XX/XX/2021. I had my account closed by XXXX  other remittance companies XXXX XXXX XXXX was XXXX of them ) and there was a similar lack of transparency about the reason for account closure. I have never sent large amounts that would cross into the realm of money laundering but that is the only other possible reason that I could speculate for account closure. I am retired and living on social security, so I don't have a source of funds that could be laundered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/2022 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my credit/life. This is an immediate, seventh request for removal and blockage of incorrect information. 

There seems to be a high-level of incompetence at this company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Investigation took more than 30 days
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: TX

Complaint narrative:
Home was damaged from hurricane Ida mortgage company approved me for forbearance for XXXX XXXX and XX/XX/2021. Mortgage company reported me as late to the credit bureaus and said the wrong code was sent should have been disaster code. Have been reporting this process since XXXX itll get fix and then itll go right back. I have emails and a statement from this mortgage company about fixing this issue and nothing is getting done. My husband and I were supposed to get a lower interest rate but the mortgage company messed up my credit score and we were set for closing. So this is a huge deal because they messed up our credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed a debt multiple times including XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX via electronic and certified mail. Experian has maintained that the debt was " verified '' having sent no original contract, no signature, nothing of substance to validate this XXXX debt on my credit report belongs to me. In each of my written communication with Experian, I have requested that I receive an original contract from XXXX XXXX ( the company who placed this on my report ) I have not received anything. This is impeded my progress and ability to gain credit, job opportunity etc. 
Experian has maintained this debt was validated yet no proof was given, it has been over 120 days since my initial dispute.

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 2022-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I have XXXX acounts that is Fraud LockHart Morris from XXXX i never be in that Place that take my information and they put in collections i have proff that i have XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MN

Complaint narrative:
On XX/XX/XXXX. Checking account was over drafted because an increased mortgage amount was withdrawn without notice or authorization. This triggered me to look into my mortgage account in which I found a misapplication of funds that should have been applied to principle only [ as monthly payment were always overpaid, the company applied them forward and not toward principal leaving a discrepancy between actual payment and payment due.This was explained to me as I was so far paid " ahead '' that the system inadvertently increased my payment thinking it was a XX/XX/XXXX payment due. Over time, I've also discovered a mismanagement of my escrow account. Efforts to have the account corrected and principle adjusted have not been successful. Company states they are working on a " Restructuring '' to correct account, but have not been able to confirm this restructuring or receive a corrected amortization. It is now XX/XX/XXXX and no resolution to my account/escrow discrepancies have been made.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I realized that there was something wrong with my bank of america account, because a lot of money was going out, there were many purchases that I didn't make, at XXXX, XXXX ( which to this day charges me, I don't know why, because I don't have anything with XXXX ). 


I told the bank that they didn't care about the situation. I found the cell number in my bank of America profile, and that number does not belong to me, them notified the managers and the fraud department, who told me this happens regularly in florida. That was the answer I got after XXXX months of going to the bank almost every day and calling the fraud department. 

I have enough evidence to present to the gentlemen responsible for handling this type of violation. My device was accessed in cities and countries where I have never been until today. 

lose about XXXX kilos with so much stress, worry and fear, because it got to XXXXhe point where my devices were turning on and off controlled by someone who was me. 

I will stop the beginning of this terrible report and horrendous experience here, because I don't know if this testimony will really go to the right people or laugh for those who have all my information in their hands and made more than XXXX investments in financing which resulted in me in total of almost XXXX shares in my name, not counting almost {$32000.00} lost.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: OK

Complaint narrative:
I work for a mortgage company. I have approved buyers to make offers and eventually buy and close on a home. They have made offers on a new house with a builder. This builder ( And others in the area ) are known to give incentives to buyers for using their lenders. Now, they are saying they will not even accept an offer unless the buyers use their preferred lender. This has to be discrimination?! And illegal. I have attached photos of text from the builder 's rep on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rickart Collection Systems, Inc.
State: MD

Complaint narrative:
As of XX/XX/XXXX, I was a victim of identity theft. These fraudsters used my identity to purchase goods and services, opened credit accounts, bank accounts, and other items not approved me. As a result of this, I closed all of these accounts and froze my credit so that no attempts to open more accounts under my name could successfully go through. On XXXX, XX/XX/XXXX, I received a notification through XXXX about a XXXX point drop on my credit score as result of a debt owed to XXXX XXXX Upon further review, I contacted XXXX and they informed me that there was a debt collection under my name in the amount of {$1100.00} for the following address : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. This debt owed stems from an account that was opened in XX/XX/XXXX. I have never lived at this address nor have I opened a XXXX account. My current address is XXXX XXXX XXXX, XXXX, MD XXXX and I have lived here for 26 years. This debt is now with RICKART COLL SYSTEMS. Original creditor : XXXX XXXX XXXX. 

XXXX instructed me to file a police report and an FTC report to get this matter resolved and removed from my credit report. I filed a police report with the XXXX XXXX XXXX XXXX Police Department in Maryland ( Case Number : XXXX ). My next steps to getting this removed is to file this report accordingly. 

XXXX Account Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Open account : XXXX Account Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX Police Report : Case # : XXXX Debt Collecter : RICKART COLL SYSTEMS. 
Account # : XXXX Opened : XX/XX/XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent the XXXX credit bureau a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was on the XXXX of XX/XX/2022 and have yet to receive any response back in regards to the matter. 

the following accounts are XXXX for {$550.00} XXXX for {$5300.00} XXXX XXXX for {$78.00} XXXX {$6600.00} XXXX  {$5300.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent the XXXX credit bureau a 609 letter to validate the incorrect accounts that is being reported on my credit report. This was on the XXXX of XX/XX/2022 and have yet to receive any response back in regards to the matter. 

the following accounts are XXXX for {$550.00} XXXX for {$5300.00} XXXX XXXX for {$78.00} XXXX  {$6600.00} XXXX  {$5300.00} 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 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My account has been paid in full on XX/XX/2021 .Comenity bank until today stills sending me a bill every single month adding interest and late fees, they sent false reports to the credit bureaus, my credit scores was over XXXX and now is under XXXX because of this company. I have call many times and they don't fix the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
My account had a benefit of allowing up to {$200.00} overdrawn with no penalty. It was very helpful and I did use the benefit right before payday. I logged in yesterday morning everything was fine my direct deposit of over {$2900.00} was deposited that afternoon. They closed my account so I cant pay my rent I cant pay my bills. Ive done nothing fraudulent I even requested them to take away the overdraft protection if that caused the issue but to reinstate my account since this is a mistake. Im totally screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
I have reached out to the credit bureau ; I have also reached out to the company letting them know that this item was not mine and that i wanted them to send me some information showing proof of item. I never received anything back and the item is still showing on my credit reporting. Due to this item my score is not were it needs to be. 

Item number listed on my reporting XXXX Portfolio Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The item listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/2015 {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have new information pertaining to a complaint I submitted to XXXXXXXX XXXX on XX/XX/2022. This original complaint also involved Equifax, XXXX, and XXXX because there was inaccurate and unfair reporting on my consumer report. Equifax responded to a complaint I sent them on XX/XX/2022. They responded on XX/XX/2022. In their response they stated that they initiated an investigation with the furnishers. Pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), XXXX XXXX  needs to conduct a reasonable reinvestigation. Also, pursuant to 15 U.S.C 1681s-2 ( B ) ( i ) and 15 U.S.C 1681s-2 ( B ) ( ii ), XXXX XXXX  has to stop furnishing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I XXXX XXXX are writing a letter of explanation for the errors that Nissan Motor acceptance group billing department has made on my XXXX. I have made all payments on time and also made large payments that they misplaced and didn't apply accordingly. My credit score dropped substantially I was in the XXXX now am in the XXXX 's also currently are in escrow I talked to numerous amount of staff in NMAC so they can resolve this matter with all credit bureaus and said there not going to. I want them to be held accountable and fix there mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
The company told me I could not create a payment plan and that I had to pay the entire balance of at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Back in XXXX an attempt was made to transfer money from my business checking account via wire transfer from XXXX. The bank caught it and stopped the transfer. I went to the branch and changed all my passwords and was issued a new account. On XX/XX/XXXX the bank allowed a domestic wire transfer from XXXX XXXX, CA for {$2800.00} + {$25.00} wire transfer fee. On XX/XX/XXXX they allowed another domestic wire transfer for {$3200.00} + {$25.00} wire transfer fee to XXXX XXXX XXXX NY. I received no alert form the bank for either one. I went back to the branch and changed all my passwords again and was issued another account number. We filed a formal complaint ( # XXXX ) with Chase. My banking associate XXXX XXXX, XXXX was told by the person on the phone at Chase the money would be returned to me in XXXX - XXXX business days. They asked us to fax an Affidavit of Fraud which we did on XX/XX/XXXX. On XX/XX/XXXX after numerous calls to the claims dept. I went to the branch again. XXXX called claims again and was told the case had been reassigned to a XXXX XXXX and would be resolved in XXXX - XXXX business days. On the XXXX business day I called claims again. The woman I spoke with was no help. I asked for a supervisor ; XXXX who would not disclose her last name. She would not connect me with " XXXX XXXX '' and kept telling me they could not release my money because the case was still being investigated. Today is XX/XX/XXXX almost 2 months have gone by. To my knowledge this money is insured by the FDIC. ( whom I also called ). I also filed a complaint with the Office of the Comptroller of the Currency ( case # XXXX ) who told me the bank has 2 months to respond. After catching the first attempt at fraud on my account, I believe the bank was very delinquent in allowing the last XXXX wire transfers without at least contacting me as they did with the first attempt. I called the claims dept. again today and after holding for an agent for XXXX minutes and finally reaching someone, she was going to connect me with a supervisor but she hung up on me. I really need to have this money back. I do not know why the bank is stalling me and I am really tired of calling and being given the runaround. I hope you can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I have a secured title loan with One Main Financial. XXXX XXXX XXXX XXXX XXXX I was late on my payment a few days. XXXX, a worker for One Main Fin. called me about the payment. I told her my situation. She started yelling and told me to bring the car to them. I had the car towed to them. She acknowledged that she did have the car and the keys. Now One Main continue to call me and won't acknowledge taking my car. I also had insurance as well as unemployment insurance on the loan. They refused to allow me to file a claim

Company response to consumer: Closed with explanation