vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Early in the month of XXXX I received an offer to apply for a branded visa card from Chase a Mariott Visa Platinum. The application was subsequently denied on XX/XX/XXXX for the following reason " Your credit repot reflects a bankruptcy '' and this information was apparently obtained from XXXX. Well I don't have a bankruptcy on any credit report and just like it happened with XXXX XXXX last XXXX it appears both banking giants have and use internal historical information which may be illegal to use. My credit score per Chase denial letter is at XXXX and they go on to state a mirad of made up jargon to cover where they actually got this supposed bankruptcy from. If the FCRA is crystal clear on what credit can be denied and from what sources is obtained then how is it that Chase is able to do this. It seems they are flying above the law. XXXX XXXX in their denial did the same thing even going as far as claiming they had pulled the credit report from someone else with my same name last name, social security # and address match. I have contacted all three major credit reporting companies and none have of the information for which Chase has denied me. XXXX XXXX did go out of their way when I threatened them with informing the government and did issue a credit card with a some what low credit line just to cover their backs. 
In the end it seems banking giants are keeping internal records about individuals in order to circumvent the law. This not only seems illegal but is also offensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi, I went online in XX/XX/2021 to get my annual Equifax credit report. At this time, their system said it " encountered an error '' with no explanation given and that I had to call them. I called them and was given the run around that I needed to verify my identity by mail. I never received identity verification mail so I called them again in XX/XX/2021 and they did manage to solve the error when trying to get an XXXX. However, the system gave a new error instead that it was unable to provide the report online and only by mail. This took 5 weeks to receive which is XXXX. and the letter I got in XX/XX/2021 only said " Our records show that you have already received your annual credit report from Equifax ''. I have never received an annual credit report from Equifax, not within the past year nor ever actually. I would call them again but at this point I think it's clear they're being abusive. It is unlawful to withhold my credit report like this. 

Please let me know what steps to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
l noticed 3 inquiries on my credit report .l dont recognize them XXXX XX/XX/XXXX Syncb XXXX XXXX XXXX th XXXX XXXX XXXX XX/XX/XXXX l found those 3 inquiries on mycresit reports l tried many to tell them l never applied for a credit card or a loan for over 2 years.

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 2021-07-16 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: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I have been disputing several accounts with XXXX XXXX, XXXX XXXX XXXX, and Navy Federal Credit Union that are negatively reporting on my credit reports. 

I have requested debt validation statements and information in writing showing that I owe a debt with the companies in question and the debts legitimacy with proof of signed contracts agreeing to the debts, and statements showing I personally accrued the debts and if the companies in question can not furnish all documents proving the legitimacy of the debts to the three major credit bureaus and myself via USPS certified mail with the companies in question or to have these accounts removed from my credit reports. And have no future reports to my credit from the companies in question.

All request have gone ignored and not furnished from any of the companies in question.

I have also disputed the inaccuracies with the three major credit bureaus and they have no removed the items. 

As of today XX/XX/2021 I spoke with a XXXX  representative and I was told a creditor can report whatever they want to my credit without supplying any information of the debt being legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: Army and Air Force Exchange Service
State: WI

Complaint narrative:
I have been disputing several accounts with XXXX XXXX, Military Star Card, and XXXX XXXX XXXX XXXX that are negatively reporting on my credit reports. 

I have requested debt validation statements and information in writing showing that I owe a debt with the companies in question and the debts legitimacy with proof of signed contracts agreeing to the debts, and statements showing I personally accrued the debts and if the companies in question can not furnish all documents proving the legitimacy of the debts to the three major credit bureaus and myself via XXXX certified mail with the companies in question or to have these accounts removed from my credit reports. And have no future reports to my credit from the companies in question. 

All request have gone ignored and not furnished from any of the companies in question. 
I have also disputed the inaccuracies with the three major credit bureaus and they have no removed the items. 

As of today XX/XX/2021 I spoke with a XXXX representative and I was told a creditor can report whatever they want to my credit without supplying any information of the debt being legitimate.

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 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NV

Complaint narrative:
BSI charged escrow : XXXX, XXXX, XXXX, XXXX, XXXX  XXXX per month = {$1500.00} Closing Documents XXXX per month = XXXX Balance due ME {$1000.00} BSI Refund XX/XX/2021 ( XXXX ) BSI Refund XX/XX/2021 XXXX XXXX ) Amount currently due me {$200.00} BSI refuses to refund my money. 
Attached is a letter from my accountant stating BSI in fact does owe me money through his analysis. 

In addition, BSI has dinged my credit due to their error and I want that reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: NE

Complaint narrative:
I am a XXXX survivor who had been receiving periodic testing & follow up care from XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I had lab work done every year for XXXX markers, and this was typically done every Spring. During XXXX, this testing was pushed out to XXXX due to COVID-19. In prior years, I was never charged for this routine lab work, though I may have been charged for certain other procedures or testing. For the XX/XX/XXXX lab work, I was charged {$400.00}. I made repeated attempts to dispute and research through XXXXXXXX XXXX  Billing Dept, through XXXX XXXX 's office, and through XXXX XXXX XXXX. XXXX advised me that it was due to the way the claim was filed. XXXX and XXXX said that the claim would have to be refiled as XXXX instead of XXXX. XXXX XXXX, XXXX in XXXX XXXX 's office advised me by phone in XX/XX/XXXX that she would do that, although her verbal comment was not included in any of her email communications. She explained that XXXX had been taken over by Tenet Healthcare and there had been several billing errors during their transition around the Fall of XXXX. Billing had been paused during research, but I received another bill in XX/XX/XXXX since the claim was never refiled. It is now apparent I can not get this resolved through Tenet/XXXX or my insurance. My position is that I should have been billed the same in XXXX as I had been in prior years. I would not have had this lab work done if I had known I would be charged {$400.00}. " What changed '' seems to be Tenet Healthcare 's billing practices, and I was not notified this otherwise routine lab work would be billed differently until after it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

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 2021-07-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
NMAC ( Nissan Motors Acceptance Corp ) is the lienholder on my old XXXX XXXX XXXX ( bought new at XXXX XXXX XXXX in XXXX, FL ). 
We traded the vehicle in XX/XX/XXXX ( at XXXX XXXX XXXX in XXXX, FL ), and at the time of the sale the dealer got a 10-Day payoff quote from NMAC for {$6200.00} good until XX/XX/XXXX. ( XXXX loan number XXXX ) XXXX XXXX XXXX completed all the paperwork and send a check to NMAC for {$6200.00}. 

XXXX XXXX still has not received the title for the XXXX XXXX they paid in early XXXX. NMAC told XXXX XXXX that they made a mistake on the account, and did not find out about it until later. So that there is now {$170000.00} owed still on the account. 

We have made several calls to NMAC asking them to release the title. That their mistake is NOT the dealer 's fault, or mine. Or to send me a document that says that I am responsible for their mistakes ; they also decline. I have asked to talk to a supervisor, or to their legal, or consumer protection department ; all declined. Only talked to a " Senior '' collector. 

Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I obtained a loan from a credit union to buyout my lease. I followed the exact requirements that I was provided by Chase ( the company that my lease was through ) and submitted the funds prior to the end of the lease term. I have confirmation that Chase received these funds through XXXX on XX/XX/XXXX. On XX/XX/XXXX, Chase called me at work to inquire about my payment for XX/XX/XXXX. I advised the person on the phone that it was paid off. I didn't have the XXXX tracking number at that time because I wasn't worried about them receiving/applying the check timely, but they were informed that it was paid off. 
I sent a secure message to Chase advising that I had paid them in full and provided the XXXX XXXX  information that included confirmation that it was received on XX/XX/XXXX. Outside of Chase acknowledging receipt of my message, I have not heard anything from them regarding this issue. 
On XX/XX/XXXX I called them because the account was still showing active, I was transferred to XXXX in Customer Service who stated that it takes XXXX days to apply a payoff check. Nowhere on the payoff statement does it indicate this processing time, which seems excessive to me. She told me that it should be completed by XX/XX/XXXX. She stated that it will be effective the date that it was received. 
Today is XX/XX/XXXX and the account is still active. I reached out to the new lender and the check has not been cashed. The new lender showed me the XXXX label that they filled out and it is exactly as directed on the payoff statement ( lease buy-out ) provided by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Salander Enterprises, LLC
State: MO

Complaint narrative:
Today XX/XX/XXXX I was contacted by a XXXX XXXX from XXXX XXXX XXXX phone number XXXX. He stated a complaint has been filed against me in XXXX XXXX XXXX and I needed to contact a number with file number to get more information. 

I contacted the other number XXXX and provided the file number, I was transferred to a legal person XXXX XXXX who stated they we going to be suing me for a past debt with Salander Enterprises LLC. She said if it hadn't been filled though that I could settle the debt by end of today. I was then sent a document via XXXX XXXX to sign and provide a payment method. 

I have never done business with either of these companies and I have told them I needed proof of the original debtor before continuing. They have yet to provide this to me. 

Researching further the address in letter head of document sent to me is an address for a XXXX XXXX company in business since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XX/XX/XXXX I contacted Synchrony bank in reference to a charge of XXXX on my lowes bill. I found the charge was for a my card security program that I did not enroll in. It was for XXXX of unemployment type of coverage. I explained I had not elected to receive this protection and did not want this protection and informed them that my husband was and is XXXX. If I knew I had the program it would make sense I would have used it. I called back on XX/XX/XXXX after I returned from vacation and called and talked to XXXX and explained the situation again. We discussed that since XX/XX/XXXX I have been enrolled in this program without my knowledge. They are saying that I signed up by checking a box and I am saying that someone would have checked that box for me because this is not something I would have elected to sign up for. In any case, I requested these fees be reimbursed. After being placed on hold for a few minutes XXXX returned and stated I was being given a " courtesy '' reimbursement of {$1.00}, XXXX. Which I disagree with and request the entire {$3100.00} be reimbursed. I did not ask for nor authorize these charges and want them reversed. This is a scam and would have gone on if I hadn't noticed the charge.

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 2021-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I need help!! Contact me! I am currently in Forbearance. I have over XXXX in equity and I cant get XXXX to take care of my family and get out of the mess. You see on our case and many others these stupid lending rules are hindering our ability to help ourselves. You see because of the XXXX Virginia XXXX XXXX in violation of Federal LAW!!! Suddenly and with no notice whats so ever stop paying for no reason. They have screwed over XXXX of us in Virginia. My credit score has gone down over 100 points and I want to save my family because I used money to help save lives. 

So in my case its like the government instead of helping they know I have so much equity they cant even back a XXXX loan so I CAN HELP MYSELF!!!! 

Here is my offer and they force me to play the Credit Score Game I need XXXX grand only 18 months I will pay 25 % interest. 

By doing this on a private lending this will not show up on a credit report and will play the credit score game and my score will be over XXXX!!!!! I will pay XXXX dollars a month during these 18 months and at the 16 month apply for a XXXX heloc and then this will be approved because I will still have over XXXX in equity. 

See my credentials - I see this because this is the only way to take care of my family and continue to save lives. XXXX the XXXX dollars for 18 months does not go into paying down the principle it is a good faith payment. Any XXXX XXXX takers???? 


Just like the politicians who refuse to let the police do their jobs. They allow over XXXX deaths a year they refuse to let me do my job. 


The Greatest Threat To Public Safety Is The Belief Is That Somebody Else Will Do It! 
XXXX XXXX XXXX Why does our own government wants to prevent this from being fixed? 


https : /XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: FL

Complaint narrative:
While having my morning coffee, I checked my credit report. I noticed it appears to be accounts listed on my file Ive never had or open. Ive been a victim for identity theft. Ive sent letters to All Credit Bureaus. My letters seem to be going unnoticed. Ive also sent in a ftc report. Which you will see it attached to this complaint. Its a large amount of inquiries and accounts and address and inaccurate name on my file. 

Name Wrong XXXX XXXX, & XXXX XXXX, Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Dept of Ed XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX {$1300.00} 3. XXXX XXXX XXXX 4. XXXX XXXX  Please See Attached Ftc Report!!

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 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2021 I mailed certified copies of my FTC report identifying theft that this account was included on This Report! To both The Original creditor XXXX XXXX XXXX Who Has Now SOLD THIS ACCOUNT TO A DEBT Collector Midland Credit Management who has done nothing but harass me and call at insane times of day/night and sends threatening letters to Sue Me over this Account that is ( Not Mine )!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Hello, I'd like to escalate an issue that I've been dealing with since XXXX. 

I posted my XXXX payment through your portal on XX/XX/XXXX. I received a message that it was posted on my account on XX/XX/XXXX. I was alerted on XX/XX/XXXX that the payment did not go through, and was charged fees. 

I've called Customer Service multiple times with no solution to the issue. I spoke to a Supervisor on XXXX, and explained that I received a notification that the payment was processed on XX/XX/XXXX so I should not be charged any fees. I asked her to send me documentation showing the supposed incorrect payment being processed as well as documentation showing the NRF fee. She mentioned she would alert Loan Servicing to send. All I received was a fee schedule, which itself is inconsistent. I called her extension to follow up on XX/XX/XXXX and XX/XX/XXXX with no response. In various of my customer service interactions, there have been inconsistencies with information that is concerning. 

I've consistently provided payment either early or on time, and this experience has been very disappointing. This incident is concerning and has led me to question the integrity of your company. 

I'm happy to provide any additional information to waive the fees charged to my account. 

Thanks, XXXX

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 2021-07-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i've sent a letter to every creditor stating that i need validation of each debt to only be sent a bill. a bill is not validations. the definition of validation in commerce is ''to assess an action '' so I'm requesting validation under 15 usc1692g all i want is something in writing containing the 5 things required under 1692g. also if there were any competent witness i demand the debt collector to produce them. if the debt collector does not provide me with all 5 requirements that i requested under 15 usc 1692g they are in violation and owe me {$1000.00} per individual action pursuant to 15 usc 1692k and i demand removal of all negative account on my credit report.

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