vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Genesis /Columbia Debt Recovery is reporting a debt that was wrong and paid in a bankruptcy. I only had to pay until I moved. They also add interest to an incorrect debt monthly and report it as I have a revolving account with them When I disputed the debts on my credit reports, all have updated the information as correct when it is inc and not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
XXXX XXXX I signed up for the XXXX Forbearance plan. My wife had to stay at home to take care of our kids since there were limited spaces in daycares. As an XXXX XXXX member of the XXXX XXXX XXXX, I wasn't receiving enough housing allowance to pay the mortgage payments myself. So that is why I applied for the forbearance hoping that Flagstar will uphold their end and just put what I owed to the end of my VA Loan when I can start making payments again. In XX/XX/XXXX, the XXXX raised the housing allowance for XXXX XXXX members in our area. So I was able to resume making mortgage payments again. But since I was already in the 3 month forbearance plan at the time I couldn't submit my loss mitigation application until after. When I submitted the loss mitigation application in XX/XX/XXXX, I was denied all loss mitigation options. It did not even mention loan modification like it was advertised. I tried to continue making mortgage payments by phone because they took away the option to pay online. But I couldn't do that either because I needed to either submit a loss mitigation application ( which I did ) or I need to pay the lump sum ( which I can't ).

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 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Submitted documentation this was not my account. Asked for supporting documents that can prove this is my debt. XXXX XXXX XXXX collect for a company called 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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I opened my Chase Sapphire XXXX credit card ( XXXX ) and paid my Annual Fee of {$95.00} on XX/XX/2022. Chase closed my account without reason shortly after ( less than a year ). I requested my annual fee back and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: CO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am using Webster Bank for my XXXX XXXX Account. I have been submitting receipts/transactions online in the mobile app. Webster Bank then lists the transactions multiple times and would allow me to " pay '' the same expense multiple. If I had the expense paid multiple times it would be a violation of the US Tax Code as this is a tax favored account and only " qualified medical expenses '' are tax free. An reimbursement in error would not only create a taxable event, but a penalty by the IRS as well. 
I have tried to call and told the same thing. It is because I am using my debit card ( Webster Bank ) and then submitting online. I told them that is not true and it was verified. I was then told, it was my insurance company submitting claims as well as me. I also confirmed with them, this is not true. I have provided screen shots of the double transactions. I also noted that I purposely mis spelled items to prove they are my transactions that are being logged twice in the system. After several calls and emails it was escalated and then several days after the telephone agent confirmed that it is not debit card or insurance company dual submissioins someone called me today and said the same old thing, that I am using the debit card and then creating a duplicate submission. This is simply not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi offered a promotion for new account holders. I opened a new account, did the required spending and account pieces, and it says that you will receive points within 30 days. It has been 55 days and I have not gotten my points. The terms say 30 days, I contacted citi and they verified I had completed all activities but could not provide a status of the promotion, and said it may take 90 days to get my points. This is not what I signed up for. 

Requirements : Opened account XXXX Debit ATM purchases of {$1000.00} {$350.00} ( XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX enhanced direct deposits totaling {$1000.00} or more XXXX : {$500.00} ( XXXX ) XXXX : XX/XX/XXXX {$500.00} Within 90 days XXXX- confirmed on chat ( XXXX pm ET - XXXX  ) I was enroled in XXXX promo bonus Week of XX/XX/XXXX : contacted as I completed all activities on XX/XX/XXXX and had not gotten award. They opened investigation YOUR CASE ID : XXXX XXXX XXXX XXXX and said I may get points within 90 days Per terms and conditions when I signed up : Complete Qualifying Purchases. 
Complete Qualifying Purchases with your Citibank Debit or ATM Card corresponding to the Checking Account Package requirement in the Chart below within 90 days after the Checking Accounts Account Opening Date ; The maximum amount of bonus miles credited will be based on your Checking Account Package on the XXXX calendar day after the Account Opening Date and completion of the Required Activities ( see Chart below ).

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I tried calling, disputing online and because its showing no CC account I wasnt able to dispute. 
Ive written to Equifax over the years and recently requested to report my XXXX XXXX XXXX payment history/cc usage/credit age XXXX XXXX. And the removal of a hard inquiry that was supposed to be a soft inquiry also on XX/XX/2023. But instead Equifax took XXXX points from me for my two ( 2 ) ) hard inquiry being removed XXXX XXXX. Ive written a second dispute letter on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I authorized an online check payment on XX/XX/2022 to a business. The check was issued and mailed and someone forged the signature and cashed the check at another banking institution. I've completed all forms related to filing the claim multiple times. The Payee refuses to sign the affidavit but has indicated that they never received, signed nor cashed the check. 
My last conversation was with my bank Check who refuses to open the investigation because the payee will not sign their affidavit. Which I have zero control over. 
I am out {$1700.00} and Chase Bank refuses to assist because I can not get a signature from the intended payee on their affidavit. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Bank : JP Morgan Chase XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit bureaus stated my account was properly investigated for ( XXXX ) account # XXXX, but how is that possible if its incorrect data and not 100 percent accurate. This is grounds for removal they violated my rights! On this account for the month of XX/XX/XXXX Experian has the account listed as ( ND ) however I will provide bank statements that shows I paid in XXXX. I have sent two prior disputes in regards to this issues and both came back with same results with no deletion or fix. Complete violation to my rights. XXXX, Experian, XXXX are reporting different information for months of XXXX, XXXX of XXXX. 

Also on my bank statement that I sent you can see I made my payment XX/XX/XXXX that Experian as ( ND ) on my credit report 15 U.S.C 1681 section 5 ( a ) states that If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 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 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 explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/2023, I received an unsolicited XXXX debit card in the mail. I did not open an account with this institution, Chime. 

I tried to submit a request through their website. I received a response email that said please email us from the email address associated with your account. I can't since I don't have an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/30, Bank of American applied a composite credit of {$5100.00} to my account. This was in three components : {$2100.00} + {$250.00} + {$2400.00}. 

The {$2100.00} comes from my BofA checking account ending in XXXX. The {$250.00} came from a closed XXXX account and should correctly be charged negatively to my account. I have no complaint about the reversal of the {$250.00} nor about the {$210000.00}, which was correctly credited.. 

Bank of America deducted the {$2400.00} from my XXXX account. Then they reversed the credit to my HELOC account.. 

I twice wrote to them through their website and received no response. I then complained to the XXXX. I received a message that they acknowledged the complaint, and beyond that message, no action has been taken.

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 2023-07-18 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: GA

Complaint narrative:
I am the author of this complaint as well as the attachment that is being sent. I XXXX XXXX checked my consume report and noticed unauthorized inquires reporting. I reached out to Equifax and to no avail I did not receive a solution. Equifax has violated the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Congress has made findings and according to 15 USC 1681 the banking system is dependent upon fair and accurate credit reporting. I can not get approve for the products and services offered by institutions because Equifax is reporting fraudulently and inaccurate items on my credit report. These inquiries has been furnished without my consent, I DID NOT AUTHORIZE ANY OF THESE REPORTING INQUIRIES. There was no permissible purpose and is a violation of 15 USC 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Remove these inquires as seen on my credit report. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The uploaded inquiry removal letter has also been sent to Equifax via certified mailXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
I am reaching out to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It is crucial that these accounts and details are not reported, as their inclusion constitutes a direct violation of the FDCPA and FCRA. This violation involves several laws and must be rectified by promptly removing these accounts and information from my consumer report. I insist on their immediate removal to ensure compliance with the relevant regulations. Please take immediate action to address this matter.

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 2023-07-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It is crucial that these accounts and details are not reported, as their inclusion constitutes a direct violation of the FDCPA and FCRA. This violation involves several laws and must be rectified by promptly removing these accounts and information from my consumer report. I insist on their immediate removal to ensure compliance with the relevant regulations. Please take immediate action to address this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: TX

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # 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 an account without my written instruction.

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 2023-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Basically we thought we were doing payments for modification 3 % and monthly payments of {$1600.00} past 10 months recently we realized we were not paying PHH We were scammed Now we do not want to lose this house PHH IS NOT WORKING WITH US PLEASE HELP US WE DO NOT WANT TO LOSE THIS HOUSE WE HAVE BEEN WITH PHH FOR OVER 27 yrs. At 7 % they did not want to help when we asked to refinance for lower interest Thank you I hope you can help XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: TX

Complaint narrative:
Equifax is reporting derogatory information without my permission. 

I have not given you written instruction/permission to report the adverse account status of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Equifax on notice that your agency may not furnish any adverse status information pertaining to XXXX XXXXXXXX XXXX  # XXXX pursuant to U.S.C Title 15 1681c. 

I very respectfully Equifax on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX XXXX XXXX XXXX  is in fact adverse pursuant to U.S.C Title 15 1681s2 ( G ) ( i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: TX

Complaint narrative:
Equifax is reporting derogatory information without my permission. 

I have not given you written instruction/permission to report the adverse account status of XXXX, XXXX XXXX, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Equifax on notice that your agency may not furnish any adverse status information pertaining to XXXX XXXX XXXX # XXXX pursuant to U.S.C Title 15 1681c.

I very respectfully Equifax on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX XXXX  # XXXX, is in fact adverse pursuant to U.S.C Title 15 1681s2 ( G ) ( i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: NY

Complaint narrative:
I have been reporting this with TransUnion for years now that accounts was open fraudulently with my personal information and nothing is being done

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