vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 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: GA

Complaint narrative:
XXXX is reporting an unverified Bankruptcy on my credit file. I have requested an investigation and a method of investigation and they refuse to rectify the information. They state that the info was verified and I provided proof that no court system verified the info. They state that XXXX verified the info and I provided a copy of my XXXX report with NO BANKRUPTCY listed. They are in violation of the FCRA for publishing unverified information 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
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMorgan Chase just purchased my mortgage on the secondary market. My mortgage payment jumped {$500.00} last month which I assumed was a few month issue due to increased property taxes. When I called to address this with them, they put me through to a specialist her response was that under federal law, they had, to hold two months worth of property tax escrow payments. What I figured out after an hour of research is that under federal law a mortgagee is allowed to require up to two months worth of escrow payments, as a balance in the account, plus {$50.00}. The reality is that when an inquiry comes, Chase is misleading their mortgagors into believing that it is required under federal law to keep two months worth of escrow as a cash balance in their account, with ZERO notice. It took me 30 minutes of cross examining this woman for her to admit this is not mandated by federal law, rather a chase policy that is allowed under federal law. I am a XXXX  so thankfully I have the tools to get to the bottom of it. My concern is that most people dont have the requisite knowledge to get to the bottom of it, and what they end up doing is likely paying a way higher mortgage +escrow payment ( mine increased by 33 % alone ), under the guise that federal law mandates this, rather than being able to opt out. This is at minimum a misleading policy by chase at at most fraudulent and hopefully it gets looked into. I have no problem paying an increased mortgage payment, thankfully. However, I imagine MANY people have been taken advantage of by this policy, and whats really concerning is those that have been taken advantage of who do not have the means to afford it. All the while, their money is sitting in an escrow account, earning zero interest. You can reach me on my cell phone at XXXX XXXX XXXX and I look forward to a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CL Holdings LLC
State: CA

Complaint narrative:
I had an account which XXXX said I owed XXXX dollars, I did not. I lost money on the account and they had owed me. Then, after the initial XXXX dollars was disputed XXXX made a hard inquiry on my account without my knowledge, which is illegal. Next they said they sold the account to Jefferson Systems LLC who can not be reached. XXXX would not offer details when asked when the account was sold as I have dates on my report which I could use to determine who did the hard inquiry. I dont even know if Jefferson Systems LLC is a real legitimate company as they can not be reached. 

The hard inquiry needs to be removed. I have already contacted both mentioned companies and contacted my credit check agency as well. XXXX needs to be held accountable for the money they steal from clients and small and large businesses alike. 

XXXX even erased my transaction history, to hide their tracks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
We are not struggling to pay our mortgage, per se. Rather, we are ready to start making our Regular monthly payments. I have a USDA LOAN. On XX/XX/XXXX I entered into a forbearance plan. I was told at that time, when the forbearance was over I could resume making regular monthly payments and defer the forbearance amount to the end of my loan. The USDA guidelines for Forbearance under the CARES ACT states the same. I do not have to pay a lump sum at the end of the Forbearance. I called Freedom Mortgage as my Forbearance ends on XX/XX/XXXX. I stated I wanted to resume making my regular payment and defer the Forbearance amount to the end of the loan. They said I have to go thru Loss Mitigation steps and reapply for a XXXX XXXX. This is NOT what I was told and the USDA guaranteed loan website states the same thing I was told at the beginning of my Forbearance by Freedom Mortgage ( XXXX ) I just received paperwork to " apply '' for a Hardship Loan when I already have an USDA Loan. My USDA loan should go back into effect and the payments deferred to the end as I was told by Freedom Mortgage and as the USDA.gov website specifies.

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 2021-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Block, Inc.
State: NV

Complaint narrative:
I have never received my card or line if credit I have no checking it savings accts no bank ad a result if fraud and embezzlement please send me a check or card to my address I haven't received anything from you ever XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Thank you ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: TX

Complaint narrative:
LJ Ross and associates flagged my account for collections and didnt ever disclose any information to me, they didnt validify the debt, and didnt even disclose where the debt is from or who it is even from. The only reason I know their name, is because they attempted to take negative action against my credit without calling, contacting, or confirming the debt with me verbally, or by documentation. in the past I have had debt collection amounts verified as not being owed because of billing errors or being incorrectly charged, etc. on numerous occasions.so the fact that they didnt even contact me or inform me that I can dispute it, and then reporting it on my credit report in an attempt to hurt my credit, is not only distasteful and unprofessional, but completely against acting as a fair debt collection agency.

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 2021-11-02 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had an account which PayPal said I owed XXXX dollars, I did not. I lost money on the account and they had owed me. Then, after the initial XXXX dollars was disputed PayPal made a hard inquiry on my account without my knowledge, which is illegal. Next they said they sold the account to XXXX XXXX XXXX who can not be reached. PayPal would not offer details when asked when the account was sold as I have dates on my report which I could use to determine who did the hard inquiry. I dont even know if XXXX XXXX XXXX XXXX a real legitimate company as they can not be reached. 

The hard inquiry needs to be removed. I have already contacted both mentioned companies and contacted my credit check agency as well. PayPal needs to be held accountable for the money they steal from clients and small and large businesses alike. 

PayPal even erased my transaction history, to hide their tracks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
On credit report it shows that the company put a negative mark saying that there was no payment for XX/XX/2021. Which is now resulting in a lower credit score. Did pay that month. Have letter from company that they did receive the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Bank of America continues to report inaccurate information on my credit report regarding payment history for a mortgage account that is no longer with them. This information has been challenge via dispute and they have yet to remedy the situation. I am aware this is a violation of my rights via FCRA and I request your assistance regarding this matter. Thank you

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 2021-11-02 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: TX

Complaint narrative:
XXXX Acct # XXXX reported inaccurate information to my credit report and Transunion has not removed it from my report. In the attachment you will see the account reporting inaccurately to the three major bureaus which is supposed to be permanently deleted and Transunion refuses to delete the account. Ive contacted and sent multiple letters but they refuse to delete. When accounts report inaccurate information this means that the account has not been verified and should be permanently deleted. The account history, payment history, dates open, and date of last payments are all reported differently.

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 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had direct deposit into my checking on XX/XX/XXXX. I also had two pre authorized payments of {$300.00} each held against my available balance, which is fine, I was expecting these two transactions. Over the weekend, I could see that my available balance was just over {$160.00}. I made three online transfers to my son 's account against that balance, leaving me with a little over {$110.00} in my available balance ( as it showed in my mobile banking application ) on XXXX. 
On XXXX, my account suddenly shows as overdrawn by over {$120.00}. In the morning, my mobile app did not really show me much of a reason. In the afternoon, I can see that I was charged three NSF fees for a total of {$100.00} in fees. 
I called Customer Service and after 20 minutes I reached an individual that agreed that this did not sound right and said he was putting me on hold while he researched it. I was on hold for a while and then disconnected. 
This is not the first time I have seen something similar happen. 
I believe this is an unfair accounting practice which ends up charging consumers more in fees than should be charged. 
Also, the bank has stated in the past that this problem is on the merchant side and not the banks. The merchant sends the debit, and it did disappears the next day, which leads the bank to put it back into the clients ' available balance when in fact, the item is still out for clearance. In any case, it is misleading and confusing for clients who think the debit has already cleared. In my particular case, there were two debits and if both had been subtracted from the available balance and the online transfers still made, there would have been enough funds to cover everything except ONE debit of {$300.00}. The result of that would have been one fee charged of {$35.00} and not three fees totaling {$100.00}

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 2021-11-02 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
COMENITYCAPITAL/FLDCPR made a Retail Inquiry by checking my XXXX Credit File on XX/XX/ without my consent. There is no account attached to this company. 

XXXX XXXX XXXX  made a Bank / Credit Card Inquiry by checking my XXXX Credit File on XX/XX/ without my consent. There is no account attached to this company. 

These activities are illegal by law. There is NO permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX or XX/XX/XXXX I had an emergency and needed a cash advance. Wrong PIN number or what have you. I called Capital One and got a customer service rep I could not understand to begin with. Was in a rush and we didnt agree on the small. XX/XX/XXXX I get a letter in the mail BOTH my accounts ending in XXXX and XXXX were closed without reason I ve made payments on time and much more then minimum on my mail statements. Neither card shows up in my overall XXXX  XXXX  accounts might I add other then closed. Today m going through my junk email I see I missed a payment for account ending in XXXX. So I walked and immediately paid it off, XXXX balance. I ask about my other account and all of a sudden phone communications go down. Static, they cant locate my XXXX account. I immediately tell them that yall have nothing on me, both my accounts have been closed so attempting to threaten me again isnt an option. Im trying to pay this off here and now. Im redirected. Female cant locate my XXXX account but see I just literally paid off my XXXX account. Long story short I cant get a pay off amount and she starts going in and out of service. I have XXXX, XXXX, XXXX to name a few and never had an issues like this the past year or EVER!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: IL

Complaint narrative:
XX/XX/XXXX EXPERIAN XXXX XXXX XXXX Hello EXPERIAN, Recently I received a copy of my credit report and found several incorrect accounts. I am certain that these inaacuracies are adversely affecting my credit scores and costing me severe damages to my finances every year. 

Here are the accounts that I want verified as accurate US BKPT CT IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 120 DAYS LATE XXXX XXXX XXXX XXXX XXXX CLOSED ( WAS NEVER THE COSIGNER ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX CLOSED XXXX XXXX XXXX CLOSED U S DEPT OF ED XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear and I demand these accounts be removed from all current and future credit reports. 

Also please send me the contact information of any individuals and or organizations you reached out to so I can follow up with them directly. 

I shall assume that 30 days constitutes reasonable time for your company to investigate these accounts. 

I believe that under Section 611 it is clear that your failure to investigate these accounts within 30 days constitutes a reason to promptly permanently remove those items from 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
Consumer complaint received 2021-11-02 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: NY

Complaint narrative:
Improper use of credit. I have unauthorized inquiries that I did not consent.

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 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
My mortgage loan was recently assigned to PHH Mortgage and they charge a fee of {$7.00} to process a mortgage payment on line through the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, at XXXX EDT, Nelnet contacted me by robocaller attempting to collect a debt. 

On XX/XX/2021, at XXXX EDT, I contacted Nelnet via their web form to tell them that I do not wish to be contacted by phone about the debt I owe them. 

On XX/XX/2021, at XXXX XXXX, I received another robocall from Nelnet attempting to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently tried to update information on my Experian Consumer report reached out to the Consumer Reporting agency I need the addresses removed from my report to prevent Identity theft, and they stated these addresses can't be removed I need them removed to prevent issues the FCRA states that all information has to be correct!

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 2021-11-02 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: MI

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Ability Recovery Services , LLC has been violating me as a consumer under the FDCPA as follow : 15 U.S.C 1692b ( 2 ) - ON XX/XX/2021 ABILITY RECOVERY SERVICES , LLC STATING THAT I OWE A ALLEGED DEBT. 
15 U.S.C 1692c ( 1 ) - ON XX/XX/2021 ABILITY RECOVERY SERVICES , LLC DID NOT HAVE PERMISSION TO CONTACT ME. 
15 U.S.C1692d ( 2 ) - I DID NOT LIKE ABILITY RECOVERY SERVICES , LLC TONE WHEN I READ THE LETTER IN THE MAIL.

15 U.S.C 1692d - ABILITY RECOVERY SERVICES , LLC IS ADVERTISING MY DEBT TO COECRE PAYMENT OF THE DEBT ON MY CONSUMER REPORT. 
15 USC 1692B. ( 5 ) - ABILITY RECOVERY SERVICES , LLC IS ARE USING LANGUAGE AND SYMBOLS TO INDICATE THAT THEY ARE IN THE DEBT COLLECTOR BUSINESS. 
15 USC 1692g- FAILED TO SEND ME THE REQUIREMENTS/ABILITY JUST SEND ME A CONTRACT. DID NOT GIVE ME ENOUGH INFORMATION TO VALIDATE A DEBT.

15 USC 1692k - ABILITY RECOVERY SERVICES , LLC NEEDS TO COMPENSATE ME FOR RUIN MY CONSUMER REPUTATION AND MY FINANCIAL INJUry. 

ALSO, THEY ARE SAYING THE XXXX IS THE Original creditor but in reality, I am the original credit according to 15 USC 1602 ( f ) and I do not owe this alleged debt. See attachments for proof that Ability is in violation of FDCPA and Affidavit of Truth was sent to Ability recovery services.

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 2021-11-03 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: NY

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to about 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
BARCLAYS BANK DELAWARE Opened : XX/XX/2017 I am requesting a 1099C, financing statement, insurance information and take down letter within 15 days for this request. 

Thank you!

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