vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 RE : You Violated the United States Code Law There Should be no late payments if a finance charge was involved. Finance charge is the sum of all charges so theres no late payments.

15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

There Should be no late payments if a finance charge was involved. Finance charge is the sum of all charges so theres no late payments. They should all be removed from my consumer report under 15 USC 1605 ( a ).

As a consumer by law these accounts on this letter must be updated to paid as agreed immediately or I will seek monetary damages for violation of my right 15 USC 1605 ( a ) in small claims court in my city and state under 15 USC 1681n civil liability because I have been violated. Also, I already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 

XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON. 

I have attached Identity Theft Reports from the FTC TRANSUNION has committed aggravated identity theft pursuant 18 U.S. Code 1028A This is not a request. I am invoking my consumer rights under the Fair Credit Reporting Act.

TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS.

The following alleged accounts are to be BLOCKED and DELETED from BOTH my Consumer REPORT and CONSUMER FILE : XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT. OF EDUCATION/XXXX - XXXX I have attached Identity Theft Reports from the FTC

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 2021-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: KY

Complaint narrative:
This company is in violation of numerous FDCPA laws. This company is reporting inaccurate and unverifiable information on my credit report and is causing me distress and making my credit report look bad. I request that this company send me a validation debt letter also Pursuant to 15 USC 1692c ( c ) I am notifying this company in writing that I refuse to pay this alleged debt, and I am demanding that this company cease all forms of communication with me through any and all mediums. I would also like this company to stop reporting inaccurate and unverifiable information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Applied for a Chase co-branded card ( Chase Marriott XXXX Card ) and received a confirmation email on XX/XX/XXXX stating the signup offer was 3 nights, each up to XXXX point plus platinum status through XX/XX/XXXX. Upon meeting the spending requirement, the bonus received was 3 nights, each up to XXXX points. After five months of communication with Chase, they finally agreed to honor the free nights at XXXX points/night but refused to honor the platinum status at Marriott. These difficulties have set travel plans back and taken lots of time and energy on numerous phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: DE

Complaint narrative:
My primary residence home has its only mortgage with CrossCountry Mortgage Company. The mortgage account has a Escrow Account with it. According to the term agreed by both sides, the Escrow Account only escrows property tax and does not escrow insurance. 

I received my property tax bill in XX/XX/XXXX, due in end XX/XX/XXXX ( see attached " XXXX XXXX XXXX XXXX '' ). I emailed CrossCountry Mortgage Company to remind them of the bill on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They assured that they were " scheduled to disburse your county tax payment to XXXX XXXX XXXX XXXX in XX/XX/XXXX, in the anticipated amount of {$3100.00}, from your escrow account. '' ( in their XX/XX/XXXX email, see attached " XXXX '' ) ; they would " electronically verify the final amount due before the next disbursement is processed '' ( in their XX/XX/XXXX email, see attached " XXXX '' ) ; and " it is not necessary to make a payment towards your escrow account before the upcoming disbursement in XX/XX/XXXX. '' ( in their XX/XX/XXXX email, see attached " XXXX '' ). 

However, I received a new property tax bill with past-due penalty on XX/XX/XXXX ( see attached " XXXX '' ), indicating that CrossCountry Mortgage company did not disburse my property tax payment to New XXXX XXXX XXXX in XX/XX/XXXX. I tried to reach out to CrossCountry Mortgage Company to resolve the issue, but failed to get their response. As a result, I had to mail a check with the payment requested in the new property tax bill to avoid any further delays.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
A loss was incurred through the occurrence of a minor accident on XXXX which caused the damage of a rea fender of a XXXX XXXX XXXX ( XXXX XXXX  ). As at the time of the accident, the damaged fender was still attached to the rear of the car, and this was the singular damage to the car. At the point of the accident, the car was drivable, and the fender was reasonably intact. I agreed to pay for the repairs, but my overture was severely rebuffed. 
Subsequently, I received a letter from the other parties insurance- XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX making a claim in the total sum of $ XXXX enable a response from an informed point of view, I took the initiative of finding out the cost of a brand new fender and was shocked to know that it costs less than {$200.00}. 
Upon this astounding discovery, I requested for details of the invoice, the body shop telephone number and other details to verify this claim in my response dated XXXX XXXX XXXX, but rather than providing me with all the crucial details, I received a phone call from AFNI ( A Collection Agency ) Subrogation Officer threatening me that I have no right or privilege to ask for these details and informing me that I could lose my driving privileges and that my alleged debt would go on my credit report. 
I disputed this claim and insisted that I needed more details of this expenses to enable me verify. But to my shock, I received another letter dated XXXX, XXXX, increasing the alleged claim from AFNI to the sum of {$2.00}, XXXX, which is contradictory to the first letter from the insurance company. 
Subsequently, I received several phone calls during which several threats were issued by AFNI personnel and a letter stating outrageous estimates, without phone numbers, addresses or invoices of the amount incurred which in effect prevented me from checking the validity of any claim whatsoever. In the same call, they agreed to accept {$2400.00} only if I made the payment over the phone, if not, that they would come after me for {$2900.00}. This is proof that the added {$500.00} is wrongful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have been doing a lot of business with Paypal since XXXX recently I have had an issue with funds being held for no reason and I have called them a few times and they keep giving me excuses with no resolution. The last time I asked to speak to a supervisor and I was put on hold for over an hour and I was not able to speak to anyone to resolve this issue. 
Here are the facts : 1. I had an XXXX sale on XX/XX/XXXX 2. I shipped the items on XX/XX/XXXX ( USPS Priority AWB XXXX ) 3. The customer received the items on XX/XX/XXXX 4. I generated the shipping label through Paypal, so they have the tracking number, and they know it was delivered. 
5. Paypal Transaction ID XXXX My funds are still " pending '', I never got a reason from them as to why my funds are still stuck on " Pending '' mode close to 4 months now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America continues it's discriminatory practice against me after 9 years of living in the United States based on my place of birth and nationality. I am an XXXX  citizen and I have been living and working in the United States as a XXXX  since XXXX. My source of income is solely from my job in the United States, and my spendings has always been confined to the borders of the United States. I have not left the United States since I came here and therefore I have not been to XXXX or any other country since I resided in the United States. 
Despite this, Bank of America started a campaign of harassment against XXXX  born customers like me since XXXX which continues to this date. I repeatedly provided information regarding my legal residence to the Bank of America over the past 6-7 years. With continued harassments and account restrictions, I was forced to close my checking and saving accounts in XXXX leading to significant financial hardship for me and my family. Unfortunately, I still have to endure the BoA campaign of harassment as I still have two Credit Cards with this institution and since these are my oldest lines of Credit, losing them will adversely affect my credit score at this point of time.

Bank of America falsely claims " Like all United States Financial Institutions '' it has to continue this discriminatory practice against XXXX  born customers however I am working with close to two dozen other financial institutions in this country and Bank of America is the only financial institution with this appalling practice of harassment and discrimination against customers based on their place of birth and nationality.

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 2021-11-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX score that's reported by my XXXX XXXX app, showed a 17 point drop within the last 30 days. I immediately ordered my credit report from all three agencies. Upon review I noticed some account inquiries that I did not prompt or authorize. 

I did not give permission, authorization or was aware Bank of America made an inquiry pulling/reviewing/requesting my credit history/report/information, Bank of America recently ( two weeks ago ) notified me that my home mortgage loan was sold to another bank. The transfer would take in effect on XX/XX/2021. I called Bank of America on XX/XX/2021. XXXX of my questions was 'did Bank of America do a credit inquiry? ' It was stated by the Bank of America representative " no, I don't think so '. I said well it's funny around the same time the mortgage loan was sold to another bank XXXX XXXX score dropped 17 points. I was advised to request a credit report. I replied I did and low and behold what do I see. Bank of America Account Review Inquiry made on XX/XX/2021. 

I was not aware Bank of America made a credit inquiry. 
I did not give permission or authorization for or to Bank of America to perform/request/pull/search/look into my credit.

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 2021-11-01 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: Nelnet, Inc.
State: IL

Complaint narrative:
REQUESED VALIDATION. ALSO CONYACTED NELNET ABOUT 15 USC 1681b ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' as well as 15 USC 1681b ( a ) ( 2 ) not having permissible purpose nor written instruction. This is a defamation of my character, and hindering me from living as an equal consumer of these United States

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
On XX/XX/21, I called NYCB in XXXX, NJ at the number I found on XXXX when looking for banks around my area ( XXXX ). I was interested in opening a checking and savings account so I called to find out what ID they needed from me. I told the woman on the phone that I had my XXXX  passport, a drivers license, a credit card, and an ITIN letter issued by the IRS with my ITIN number. She then started to ask about my XXXX  and if I had a XXXX XXXX like she worked for XXXX. I told this lady I had neither one so she said that she can not offer me a savings account, only a non-interest bearing free checking because I was considered a XXXX customer. I explained to her that I have an ITIN therefore I pay taxes for the interest I earn but she said it was the bank 's policy not to open a savings account for me. 

I would like to know what is the reason behind this. I felt discriminated the entire process and denied a savings account for unknown reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: Nelnet, Inc.
State: TX

Complaint narrative:
my student loan is no longer with great lakes higher education. I am now with XXXX DEPT OF ED. But great is needs to get remove from my credit report i tried to dispute it nothing is getting done. The account was open in 2009 {$1200.00} {$7500.00} {$18000.00} {$2900.00} {$10000.00} {$1700.00} {$7500.00} this loan has been consoildated with XXXX so why is it still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON. 

I have attached Identity Theft Reports from the FTC TRANSUNION has committed aggravated identity theft pursuant 18 U.S. Code 1028A This is not a request. I am invoking my consumer rights under the Fair Credit Reporting Act.

TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS.

The following alleged accounts are to be BLOCKED and DELETED from BOTH my Consumer REPORT and CONSUMER FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT. OF EDUCATION/XXXX - XXXX I have attached Identity Theft Reports from the FTC

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 2021-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX I had attempted to Rent a car from XXXX XXXX XXXX XXXX at XXXX XXXX I had reserved the car through the prepaid option on the website. I had used my Capital One credit card. When I went to rent the vehicle i was informed that i was unable to rent the car because I did not want to give the extra {$100.00} for deposit as i had reserved the car on line with the prepaid Reservation. The representative and I had words as I reminding him of the Prepaid and its terms and he was not honoring the agreement. I admittedly said choice words to the agent and left to go to another rental car company I tried to reserve another vehicle at XXXX on the website and went there unbeknownst to me that the same representative worked at the XXXX XXXX XXXX XXXX and he maliciously charged me twice in that same day making 3 separate charges on XXXX XXXX. I call Capital One the same day i requested that they do not allow the charges to be processed and they informed me that were not able to stop the charges but i know they could. I called capital One again and initiated several disputes, but they did not honor my request then they said it was past the time of resolution and i was charged {$230.00} on the initial rental {$450.00} on the second and {$230.00} without the use of a vehicle. Totaling {$910.00} alongside late fees interest and the delinquent late payments, and the derogatory late pays that occurred during the time of the several disputes. I am in need of good credit so i tried to make payments to restore my credit until I was made aware of this Bureau .In hopes that i might get help and justice

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD BANK CLOSED MY ACCOUNT WITHOUT NOFICATION.PUT A HOLD ON MY FUNDS ..MY ACCOUNT HAS MY UNEMPLOYMENT {$430.00} TRANSFERRED ACH TRANSFER OF XXXX unemployment transferred frome a XXXX account.._ {$1000.00} dollars from a XXXX account..all funds should be released back to me..they give you a XXXX XXXX.. which no one picks up and is no longer a 24hr bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I was in the United States XXXX and I was stationed in XXXX, XXXX from XXXX to XXXX. When I was given XXXX orders ( XXXX XXXX XXXX XXXX ), I brought a copy of my orders to XXXX and paid my last phone bill before closing my account ( around XX/XX/XXXX ). I got to my new unit in late XX/XX/XXXX, in XXXX XXXX. On XX/XX/XXXX, I checked my credit report and saw a collection agency had a debt listed for the XXXX bill. I called the agency and paid it again, just incase maybe there was anything else due that I missed. The agency wrote me an email as proof that I paid so I wouldn't have to deal with the collection ever again. Since then, XXXX has been spamming my credit report with collection agencies to get an additional {$220.00} from me, in XX/XX/XXXX, and also now ( XX/XX/XXXX ). I refuse to pay a debt I don't owe. I don't exactly know what to do but I am beyond angry with them for continually trying to use my credit report like a hostage to get money from me, especially since I always pay my bills on time, in full ( and, for example with my car, I pay way more than the minimum due ; I'm 3 months ahead on my car loan. )

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