vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: DISCOVER BANK
State: CO

Complaint narrative:
I have a credit card with discover. I have made every payment and as my mother XXXX XXXX has since i was XXXX. They are reporting a late payment that has decreased my credit score XXXX points. EVERY PAYMENT WAS MADE and my mother made XXXX payment for 2 months ago. We just received notification that the payment didnt process knocking my mothers credit payment history from 100 % to 99 % and decreasing my score. I want this late payment removed from my credit files. we made this payment as we do any other time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar XXXX dba Mr Cooper is charging rate lock extensions XXXX borrowers by knowingly transferring all files that they suspect can close in less than 30 days XXXX employees who were on coaching plans for performance. They created a division called XXXX that all individuals who could not maintain regular production goals were demoted to. They then started transferring all loans without appraisals to this group. These loans can typically fund in less than 30 days, on average, however with the employees who couldnt do their job function in their previous role, they are extending the rates at a cost to the borrower.

Furthermore they require loan processors who are not licensed to discuss fees and update pricing/product changes when this should be a function of a licensed loan officer. Most often fees are not disclosed or discussed since processors are not trained in this area nor is it their expertise. These procedures are written in their call scripts. Closing Disclosure calls should be completed by the licensed loan officer who initially handled the negations of fees and pricing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$6000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$2200.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$4500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$5000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$920.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$1000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-27 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$6000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$2200.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$4500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$5000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$920.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$1000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a call from XXXX stating that it was a family member and that they were stuck in the airport because their money was locked. They asked to send money in order for them to pay their fines. They asked for currency exchange and used an app called XXXX which used face and voice recognition. I used my full name, address, phone number, driver license and credit card information. I have screenshots of names and banks it was transfered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: MI

Complaint narrative:
I did not authorized the following inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Financial blocked all of my payment accounts, my XXXX XXXX XXXX XXXX Account ( because I made a double payment and Ally Financial stated they would send a check, instead of processing the refund via the same method the loan was paid, I did not want to wait XXXX XXXX weeks for a check so I had XXXX XXXX take the payment back ) and as a result, Ally Financial blocked that debit card AND account number from being able to make payments. They also blocked my VISA debit card and account from making payments because although I was on autopay, I made an early payment and Ally took a second payment out of my account, same situation. They blocked all of my methods of payment and still demanded payment for my loan which was due but again, I could not make payments. Not only were late fees that were almost {$100.00} added to account but late payments were reported to the credit bureaus as well because according to Ally Financial it takes weeks to unblock accounts, and this was not something that could be done overnight. I don't understand how you can block a consumer from making payments, take 2-3 weeks to unblock an account, tell the consumer you will contact them after the accounts are blocked, never contact them, charge late fees and report late payments to the credit bureaus. 

This

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 2022-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/2022, my car lender : Honda Financial Services required me to pay a lump sum amount of " fees '' in order for the title to be release to me. I made a payment using my debit card in the amount of quoted amount for {$1200.00}. The customer service representative claimed that my title would be mailed to me in 2 weeks - but it could take up to 4 weeks.

After 6 weeks I had not received my title, I followed up with Honda in XXXX and customer service representative stated they had a glitch in their system which caused the title to not be sent. They explained they would submit a " ticket '' requesting the title be released, and to " allow 2 weeks ''.

I followed up with Honda in 4 weeks, XX/XX/2022, as I still had not received my title. The Honda representatives explained they had serving issue that caused the title to not be sent. They would submit a " ticket '' to have the title released. They promised that it would take 3-5 days to process, and I would have my title mailed.

Two weeks later, XX/XX/2022, I still have not received my title. I called the Honda call center and agent explained all other agents had not fulfilled " tickets as they should '' and that she would " submit another ticket '' to get my title released. 

It is going on 4 months since I paid off the fees, they required me to pay yet I have not received my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
CHASE bank My name on the account is XXXX XXXX My account was closed and chase never gave me my funds its been over a month now going back and forth between phone calls and visiting branches almost everyday now and Im tired of this why cant anyone do their job and resolve this? Every time I go I get told to come back the next day they are reviewing the information. I dont want another account with chase ever again I Just want my money and I dont know what the next step I need to take is but no one can explain to me why their holding onto my funds and not sending me my money that I have every supporting document I could possible have to show you the funds and deposits before they closed my account! This is rediculous and basically chase is stealing my money over a month on a closed account and telling me they need to review the account? This was over a month ago and I get the same response every time I go to the branch or get on the phone with them! Is there someone who can help me and explain why u guys are holding onto my money on a closed account? They said they needed to review verify a tax refund check that I deposited in there that they cashed and put into the account but then soon after they close the account so I didnt even have access to this money but theyre still holding onto it and telling me they wont send it to me unless they verify it which I even had them call the Irs with me there to verify the check was good and everything and they still are giving me a hard time I have bills to pay and I dont have time to keep going back-and-forth to the branch every day or calling them and being on hold for hours a day this is not fair and its not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have a credit card with XXXX. I have made every payment and as my mother XXXX XXXX has since i was XXXX. They are reporting a late payment that has decreased my credit score XXXX points. EVERY PAYMENT WAS MADE and my mother made XXXX payment for 2 months ago. We just received notification that the payment didnt process knocking my mothers credit payment history from 100 % to 99 % and decreasing my score. I want this late payment removed from my credit files. we made this payment as we do any other 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 non-monetary relief
Consumer complaint received 2022-04-26 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: CO

Complaint narrative:
I have a credit card with XXXX. I have made every payment and as my mother XXXX XXXX has since i was XXXX. They are reporting a late payment that has decreased my credit score XXXX points. EVERY PAYMENT WAS MADE and my mother made XXXX payment for 2 months ago. We just received notification that the payment didnt process knocking my mothers credit payment history from 100 % to 99 % and decreasing my score. I want this late payment removed from my credit files. we made this payment as we do any other time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The installment with XXXX XXXX  was to be paid off using their 90 Days same as cash option. They refused to accept the payoff. We went to court and the court made them accept the payoff and they agreed to update and correct credit report as positive and paid as agreed. Court was XX/XX/2018 and the 90 day same as cash option was {$900.00}. They agreed to accept the payoff and show a zero balance. 

XXXX XXXX  has yet to update my credit report and continues to report a charge off. I have made several attempts to dispute this, sending in the official court documents showing it was paid in full as agreed and it still reflects negatively.

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 2022-04-27 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: NC

Complaint narrative:
The installment with XXXX XXXX  was to be paid off using their 90 Days same as cash option. They refused to accept the payoff. We went to court and the court made them accept the payoff and they agreed to update and correct credit report as positive and paid as agreed. Court was XX/XX/2018 and the 90 day same as cash option was {$900.00}. They agreed to accept the payoff and show a zero balance. 

XXXX XXXX  has yet to update my credit report and continues to report a charge off. I have made several attempts to dispute this, sending in the official court documents showing it was paid in full as agreed and it still reflects negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The installment with XXXX XXXX  was to be paid off using their 90 Days same as cash option. They refused to accept the payoff. We went to court and the court made them accept the payoff and they agreed to update and correct credit report as positive and paid as agreed. Court was XX/XX/2018 and the 90 day same as cash option was {$900.00}. They agreed to accept the payoff and show a zero balance. 

XXXX XXXX  has yet to update my credit report and continues to report a charge off. I have made several attempts to dispute this, sending in the official court documents showing it was paid in full as agreed and it still reflects negatively.

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 2022-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I was furloughed because of Covid and was put in forbearance for 18 months. When I resumed work this past XXXX, I contacted Flagstar Bank about resuming my payments. My ability to make payments online had disappeared, and they would not accept payment over the phone. I was told that I would be given options in a few weeks to get back on track. Since that time, I have called Flagstar regularly, and have been told over and over again that I would receive my options soon. I have repeatedly submitted documents regarding my furlough and income. Last month, I was finally able to pay the mortgage over the phone. I was told I will receive loan modification documents to get me back on track. I received the documents. Flagstar wants me to go from a 4.1250 %, 291 month mortgage to their new offer of 4.6250 % 480 month mortgage, and a partial claim of {$32000.00}. I missed 18 months of payments, and this bank wants to add 189 more payments??? And my payment would only go down {$32.00} per month!! 

My credit is great, my income is great, and I have about {$300000.00} of equity in my home. I do not want to refinance into their horrible terms. I want to defer the 18 months of payments ( that I didnt pay during furlough ) to the end of my mortgage. Flagstar wants me to add 189 months to my mortgage at a higher interest rate. Please tell me what my next steps should be.

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 2022-04-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 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 2022-04-27 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: Chime Financial Inc
State: TX

Complaint narrative:
I noticed on XX/XX/22 three ( 3 ) unauthorized charges pending on my account. I requested a new card since I used my debit card at a gas station ( in the past I experienced fraud from paying for fuel at the pump ). Today, I disputed the three ( 3 ) charges ( over {$500.00} ) and again requested a new card. Later the same afternoon I received an email advising the investigation concluded that no error occurred and the charges would be reimbursed. I replied to the email demanding to examine documents that decided no error occurred. I did not authorize the transactions!!! 

I also called and after 2 representatives and 30 minutes on hold was told the same ; so, I requested documents that prove I allowed the transactions/ I never approved the charges. I was told I would receive the documents in 10 business days. 

I will be closing my account. I understand other people have lost money to these XXXX. Please help! 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm in dire need of your help my social security check of {$950.00} was deposited into Citibank they have the champ I have proof that they received the check from Social Security I went to use to try to use my debit card they keep denying all the transactions {$22000.00} is in this account along with my check they denied each and everything they're refusing to give me my money I'm in dire need of my money I'm XXXX XXXX XXXX I can't pay any of my bills they told me they're not going to give me back the child and Social Security can not issue me another XXXX until this check is returned Citibank is XXXX  and they stolen this money and they're refusing to give me my money they won't not let me withdraw the money they've locked my checking account my debit card and any money transfers I try to transfer the money on {$1500.00} a thousand and then {$500.00} to XXXX they demanded they got it back each and every transaction that I've done has been declined I need to get my money I am XXXX XXXX XXXX in a hospital bed with a XXXX XXXX XXXX XXXX  XXXX XXXX I'm in dire need of my mind their Elder abusing me this is Grand Theft Financial elder abuse and they're tormenting chair Rising me they keep slamming the phone down I have called them 35 times and each and every time they tell me they don't know who I am although they're lying because they got my social security number and they have the check was sent from Social Security I need my money it's already on XX/XX/XXXX and they've had my money since XX/XX/XXXX they refused to give me my money I called the city Branch branch office and they will not let me get the money out they told me it's not their problem please help 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