vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Making another complaint because they refuse to work with me in any way and are now intentionally reporting false information to the credit bureaus, making it impossible for me to qualify for anything because they are reporting that I am making MONTHLY payments of {$5500.00}, which is completely false. Even it was was true it wouldn't make any sense financially and I wouldn't pay it anyway and I will not pay what is left. This will be my last attempt to settle the matter before I moved up to the DOJ and pursue further action. I was severing in the military from XX/XX/XXXX, until XX/XX/XXXX. Given that the vehicle was repossessed during this time of service without my written consent or court appearance " according to Chases own SCRA act statement '' this may be grounds for violation. I hope you will work with me on this. I am not making monthly payments of {$5000.00}, this is not accurate and has been false. I have tried to fix this, I have asked you to fix this, please work with me. I want to be done with this account and you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
The bank launched new software since then they do not process payments for 5 to 7 days but more importantly twice they have applied a low fee to my account then used a XXXX dollars plus from my account for days thus causing me to struggle. I like most Americans live paycheck to paycheck I have to care for my mother and my XXXX XXXX child. On XX/XX/2022 the bank indicated a XXXX charge and my balance went from XXXX to XXXX then again on XXXX. They charged XXXX non citi atm fee first of all there is no XXXX atm fee that I know of the largest fee I use is XXXX, my balance then went from XXXX to XXXX causing my money apps to not be paid and making it impossible for me to move my money the way it works for me. If they are doing this to somebody with no money what are they doing to everybody else. I do intend to move my account but of course that will take all of my money to go smoothly.

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 2023-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
In XXXX, I financed a XXXX XXXX XXXX via Bridgecrest Acceptance Corp XXXX XXXX ). I put down $ XXXX down on the vehicle. Throughout the life of the loan, I have encountered severe economic challenges due to hours reduced at work and illness. Bridgecrest has never helped with my situation, won't work with me and only a few days prior to my truck being repossessed, a local charity ( XXXX XXXX XXXX XXXX ) on a three-way phone call with myself attempted to pay {$1200.00} towards the loan- which would completely remove the repossession order. Bridgecrest refused to allow the charity to pay {$1200.00} via over the phone due to my ( XXXX XXXX ) history of bounced checks. After explaining to Bridgecrest that the payment would not be drafted from my checking account, but rather the charity 's business account they still refused to allow the payment via phone. Throughout this ordeal, " in an attempt to collect a debt '' Bridgecrest calls/texts/emails me multiple times a day. 

Bridgecrest told XXXX XXXX ( XXXX XXXX for XXXX XXXX XXXX XXXX ) that payment would only be accepted via US mail. On XX/XX/XXXX, XXXX sent Bridgecrest a check in the amount of {$1200.00}. As of today, Bridgecrest states that no check has been received. On XX/XX/XXXX, a new order of repossession was issued. I paid the car payment via online ; thus overdrawing my checking account by {$200.00}. 

Due to Bridgecrest 's refusal to help, refusal of payment via phone by a third-party business account and " missing check '' I am 100 % convinced they want to repossess the truck- due to the large of amount positive equity ( low miles, XXXX downpayment.

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 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC

Complaint narrative:
Hi good day, I'm XXXX XXXX XXXX from XXXX XXXX XXXX XXXX last XX/XX/2023. I send money from XXXX XXXX in XXXX using Ria. I send my money to my account in XXXXXXXX XXXX in the XXXX but my money is not went thru to my account and then I call ria they said there are some problem with account number and my bank send it back to ria and I said it's impossible I got mistake with my account number because this my second time I send money from XXXX XXXX and I used XXXX XXXX that time. And then I ask them can we correct this account number and send this money originally to my account name and bank which is XXXX to solve this mistake, and they said no, they say I need to go back in XXXX to refund the money, which I can't do that because I'm in XXXX and the ship is XXXX too. And they said the only I can do is go back to that store and refund the money. For me how many times I call and I send an email to them to solve this problem.Its looks like they don't want to help me to solve this problem.the HR team are willing to help me for any supporting documents they need. I hope you can help me regarding this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: SC

Complaint narrative:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX ) XXXX : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXXXXXX XXXX I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, 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 2023-05-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have an interest only HELOC on my house. It is in second lien position. I have had a significant reduction in income this year. 

I made a payment on my past due balance in XX/XX/XXXX - attaching proof of payment to this complaint. Citizens Bank applied this amount to principal only, not the past due balance. I called to have them fix and they would not fix. 

I then made another payment on XX/XX/XXXX. and the same thing happened again. I have called multiple times regarding this issue- with no help. I just keep getting transferred to different depts. 

I want these two payments applied towards the past due balance. 

I have attached the payment schedule from Citizens bank as well as the current statement. These payments were applied to principle on XX/XX/XXXX and XX/XX/XXXX- they should have been applied to the past due balance. 

XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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:
On XXXX I asked that late be removed from my report.According to ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
I am currently behind on my mortgage payments and over the past two months have tried unsuccessfully to obtain a solution by my mortgage servicer. I have complied with every request for documentation within their time constraints and have copies of all correspondence. They constantly claim that documents are either missing or incomplete. 
Even though I've been assigned a representative I'm always told that she is busy, consequently I've spoken to at least eight people and have received eight different answers regarding documentation. In XXXX I had exactly the same experience with this company and was fortunately able to resolve the issue after enlisting the aid of The Office of the Minnesota Attorney General. To paraphrase XXXX XXXX my current dealings with Specialized Loan Servicing have been like deja vu all over again. After doing some research on line I discovered many customer complaints similar to mine with an overall service rating of one out of five stars and the CFPB settlement of XXXX. I feel time is of the essence regarding my situation as I received a notice of intent to foreclose on XX/XX/XXXX. SLS services over XXXX XXXX dollars in mortgages and it is absolutely mind boggling how inefficient and duplicitous they are.

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 2023-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XX/XX/2023 my wife made a payment mistakenly to the wrong account as she is XXXX and we have 2 of the same branded vehicles with a XXXX in the name, I typically make all payments on both accounts, however I am a XXXX XXXX and I refuse to text and drive by any means! I checked to see if she made it on the correct account and saw it was for the second vehicle. Called Ally Financial and they talked to me for 35-40 minutes coming to a resolution in which they will apply that amount of XXXX ( regular monthly payment ) from one account to the other, and told me if anything was reported to the credit bureaus to simply call back and they will help me get it off. However they called back 11 days later saying they changed their mind and now they dont want to do it the way that we agreed. I was lied to and I even have a recording of the phone call for my personal records just in case they tried something like this. They also have a recording from that exact phone call XX/XX/2023 in which I asked them to review but I have not yet heard anything about the review process Please help make sure that they are held responsible and not to mislead consumers by telling them one thing and changing there minds 2 weeks later

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 2023-05-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder.

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous.

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred.

Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report.

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, 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 2023-05-30 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota You are in direct violation of the fair credit reporting act ( UAC/Carhop ) Has violated several of my rights.

15 u.s.c 1681 section 602 A. Clearly states that I have rights to my privacy.

15 u.s.c 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1666b : A creditor may not treat payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove the late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: SC

Complaint narrative:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ), I am writing to dispute the charge-off that appears on my credit report for account XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder.

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous.

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred.

Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, 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 2023-05-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief