vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
Hello, I am trying to get in contact with the BSI Financial Services customer care department regarding removing my former wife off of the mortgage but have received no feedback. I have reached out on three occasions ( XX/XX/2022, XX/XX/2022, and XXXX ). On each occasion they have not written me back. I was able to remove my former wife off the deed and the VA loan certificate, now I just need her removed off of the mortgage loan from this lender, yet I feel they have been dodging my emails. I've been hung up on whenever I do get through on a call and ask the question. On XXXX instance a lady said she's not sure how, or if they do that. It's something she'd have to ask her supervisor, but they were unavailable. I have not received any information regarding this dilemma. I do not receive money to pay the mortgage from my former wife, nor have I ever. I'm not sure where the problem lies. Why won't they just get back to me???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
ALLY FINANCIAL XXXX XXXX XXXXXXXX I opened an Auto loan with Ally Financial in XX/XX/XXXX. I had previous loans with Ally so I was a repeat customer. In XX/XX/XXXX the start of the XXXX XXXX pandemic the State of Maryland forced us to shut down my businesses. Me being self employed was facing the reality that I would not have any income for my family. I called Ally to explain the situation and was told not to worry they are giving people the option of not paying during this time and these payments would be applied at the end of the loan. I was relieved until XX/XX/XXXX when I got a notice on my credit report that I was 90 days late on my payment. I immediately called Ally and I was told that they were giving the payment deferral but I had to submit a request in WRITING. That is the part I was not told about. Thus my credit report reported the 90 day late which destroyed my credit report. At that point I scrambled to get enough money together to pay all the back payments to be caught up to date. I have been requesting that my credit report be corrected to reflect that I was not late because the company although they told me I was eligible for a payment deferral I was not told the proper procedures to obtain that deferral. I understand that was a very difficult time for all of us but I feel that error on the part of the company should not jeopardize my ability to keep my good credit rating. Eventually the XXXX credit report corrected the error. Unfortunately XXXX credit report HAS NOT CORRECTED THEIR REPORT. In XX/XX/XXXX I paid off the car. Unfortunately for me the 90 day late report is still on my XXXX Credit Report. I am requesting that Ally Financial correct my credit report even though my account has been paid off that they report to XXXX that my loan was PAID AS AGREED and remove the 90 day late. Thank you in advance for your time and effort in my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NC

Complaint narrative:
XXXX XXXX Chase refused to transfer the direct deposit into the correct checking account. Chase deposited my {$2500.00} into my business account ending in XXXX instead of my personal account ending in XXXX. After repeatly requesting the funds to be transferred to right account. Chase Bank refused to make the process therefore taking the money and not issuing me a cashiers check for the full amount. They also notified me the day of this incident that all my accounts were placed on restrictions and will close immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: CO

Complaint narrative:
I sent equifax a letter to correct their error on an account. they have stated the " verified '' the item with the furnisher, however it's not the furnisher that is reporting this inaccurately. It is EQUIFAX! the payment status is reporting inaccurately and this account is closed and paid in full. The payment status needs to report the current status " PAID AS AGREED '' Ive included a copy of the credit report highlighting their error

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
My house loan contract says if I can pay of mortgage to 20 % of loan value the pmi will be cancelled as long as the the house was accessed to not drop below value. I saved all year to get to this point. I have requested and sent them XXXX $ fee for bpo as they requested. They sent me back an email saying that they refused to even evaluate or to remove PMI because I had not done significant upgrades to the house. Nowhere in the contract is anything mentioned about upgrades. I think this is dishonest and basically theft. The loan is managed by loancare. This is the last email I was sent " Unfortunately, we will not be able to proceed with your request. XXXX XXXX requires significant upgrades in order to proceed because your loan is under two years old. I have attached their guidelines for you to review. You may have to copy and paste if the link if doesnt open. Please be advised that once the loan is two years old, the list is no longer required to proceed. You will be refunded the {$100.00} paid for the BPO. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  has send me a letter stating the account is not delinquent but the servicing company XXXX XXXX  hired by XXXX XXXX  is reporting incorrect information to the credit bureaus and reducing my credit scores. Documents showing the same are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  has send me a letter stating the account is not delinquent but the servicing company XXXX XXXX  hired by XXXX XXXX  is reporting incorrect information to the credit bureaus and reducing my credit scores. Documents showing the same are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX has send me a letter stating the account is not delinquent but the servicing company XXXX bank hired bXXXX XXXX XXXX is reporting incorrect information to the credit bureaus and reducing my credit scores. Documents showing the same are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: GA

Complaint narrative:
two XXXX  XXXX Bankruptcies were added to my credit report the first on XX/XX/2022 the second on XX/XX/2022. These were later identified by XXXX XXXX and XXXX as not mine. I also have disputed XXXX fraudulent accounts with THE XXXX XXXX, and XXXX. The balance for XXXX XXXX {$1600.00}. The balance for THE XXXX XXXX IS {$17000.00}. I have filed police reports and FTC fraud affidavits. I have also supplied all bureaus with documentation from data furnishers stating that these public records do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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:
two XXXX  XXXX Bankruptcies were added to my credit report the first on XX/XX/2022 the second on XX/XX/2022. These were later identified by XXXX XXXX and XXXX as not mine. I also have disputed XXXX fraudulent accounts with THE XXXX XXXX, and XXXX. The balance for XXXX XXXX {$1600.00}. The balance for THE XXXX XXXX IS {$17000.00}. I have filed police reports and FTC fraud affidavits. I have also supplied all bureaus with documentation from data furnishers stating that these public records do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several Fraudulent Inquiries that are being furnished to my credit report from XXXX and equifax, As well as some of my personal information is incorrect I will attached an FTC report to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian have been reporting a debt collection account, ( XXXX XXXX XXXX ) as open since XXXX XXXX. This account has been closed since XX/XX/2022 written off by the original creditor. I have sent multiple dispute letters on XXXX requesting to remove the incorrect account not being in compliance with the FCRA. They have allowed this debt collection to remain causing adverse action and affecting my ability to obtain financing. This has caused me financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have filed ( XXXX ) prior complaints about this debt collector already and now they are retaliating against me. This debt what paid by the XXXX insurance policy that was built into the loan for the vehicle purchase. However, it appears that this company filed a debt claim against me on XX/XX/XXXX and received a default judgement against me on XX/XX/XXXX in XXXX XXXX, Texas at the XXXX of the XXXX XXXXXXXX XXXX  XXXX. The problem with this is I have not lived in that precinct since XX/XX/XXXX and did not receive service in order to respond. They requested for alternative service, which I presume was either posted on my door or by certified mail at a residence in which I know longer lived and have an termination of my lease agreement from the residence that was in the applicable precinct to verify such. Additionally, since filing complaints with the CFPB regarding this account, this company is retaliating against me and has since requested to seize any non exempt property that I have to make good on the absurd default judgement, which was filed on XX/XX/XXXX! This company should have never been granted a judgement in the first place, as I was not served. This is unacceptable, unprofessional, and illegal! I am XXXX XXXX XXXXXXXX and receivXXXX XXXX XXXX  and am on a XXXX XXXX  while also being fully financially responsible for ( XXXX ) children. I do not have any non-exempt property and this company is pursuing a debt in a court where I do not live. I will be filing a complaint with the bar association against the attorney who filed these actions as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I deposited a check into my checking account on XX/XX/22. I checked my online banking app daily waiting for the check to clear as it was showing the deposit status as " pending '' until XX/XX/22. On that day, the transaction appeared as completed and it was no longer showing as pending. Once I saw the transaction complete, I took the funds. 

Few days later however, I received a letter from Chase dated XXXX, stating there was a stop payment on that check and therefore they had reversed the transaction and had the audacity to charge me a fee for it! When I called their customer service to confront them about this, the representative just gave me an answer that seemed to be from a written script stating that the deposit XXXX take 3-5 days and that I was wrong to think the check has cleared and the funds belonged to the bank as Good Faith! They just reversed the outrages fee, but they were not a single bit sorry about anything. 

I wonder is it legal for a bank to make such an error? Basically showing a check as cleared/settled, fooling me into taking the funds and then changing their mind to take the funds back? What if the money was used for a product or service? What if this was a car I had sold? I would have surrendered the vehicle, signed the pink slip only to find out days later that the check had a stop on it. It just sounds illegal to me and it's frustrating. Attached are copies of the letter from the crooks at Chase along with the letter from them. 

Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: TX

Complaint narrative:
After becoming aware of multiple accounts in bad standing attached to my credit report that were not mine I sent letters to each of the credit bureaus disputing ownership. I spent some time familiarizing myself with the protections afforded to me under FCRA law, that a company can not report an unverified account. In order to verify an account, substantial documentation containing my signature, acceptance and agreement to pay said account must be provided. Additionally, an updated physical credit report as well as the verification documents must be sent to me as a response to any mailed in dispute within 30 days of receipt. I sent my first round of letters in XXXX of XXXX to which I received no written response in 30 days, but rather emails saying the accounts have been verified. I sent another round of letters in XXXX of XXXX at which point no investigation took place because " the accounts had been verified. '' Just today I have mailed my 5th set of letters disputing these accounts to which I've received ZERO proof or verification. Experian, XXXX and XXXX have all failed me in the process uphold their responsibility under FCRA law. They have failed to upkeep integrity in their reporting and are willfully causing extensive damage to my creditworthiness and history by their actions. I have never missed a payment in my life, I've worked extremely hard for what I have and the willful and intentional harm done is making it difficult for me financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XXXX I started to get vice messages about and outstanding bill from a company called GenesisFS card services. 
XXXX XXXX  I them and found out that they have an outstanding balance on a credit card but they figured out that it was fraudulent. They told me to report it to Federal Trade Commission and send them a copy of the report. 
Re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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:
In accordance with the fair credit Reporting act XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Dates : XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: CA

Complaint narrative:
The early part of XX/XX/XXXX, I established Direct Deposit with this Prepaid Account for both my XXXX XXXX and Social Security XXXX payments. I have been receiving payments every first of the month from the XXXX XXXX and every second Wednesday of the month from Social Security for over ten years without fail and without any issues until today ( XX/XX/XXXX ). I foresaw that there could be a challenge with receiving my Direct Deposits when there was absolutely no communications through this Prepaid Account regarding receipt of electronic direct deposits of my XXXX payments, so I reached out to Netspend by both phone and internal contact support to address this. I was assured that there would be no issues in the safe process of my funds when the time came. I already accepted that this Prepaid Account did not have to honor their promise of " 2-days early Direct Deposit '' which should have been on ( XX/XX/XXXX ) because, even if it would have been nice to receive the money early, it was not required of this Prepaid Account to honor it, which they did not honor. Yet, calling to see why they have not released my money on my actual payday which is ( XX/XX/XXXX ), today, there is no excuse of reason for me not receiving my money on my payday.

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