vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I got a VA home loan in XX/XX/year>. Shortly thereafter I suffered a loss of income ( self employed ) do to Covid. I reached out my mortgage lender United Wholesale Mortgage and they told me about a Covid program that I qualified for and that I could forego up to one year of payments and then at the end of that period they could just attach the missing payments to the back of the loan and I could resume my original payment. At first i only opted to do it for 6 months, thinking that business would pick up. At the end of the 6 months I contacted them and extended for another 6 months and confirmed that they would just add the payments to the end of my loan. 
When my extension was about to end I called them to start making payments again and they told me that the option that I took to add my payments to the end of the loan was not available to me. They didn't give me a reason, the only thing that they told me was the only options I had were a loan modification or foreclosure. I applied for a loan modification in hopes of saving my home, only to get denied. The reason for denial is " insufficient income ''. I was at a loss because by the definition of '' loan modification '' your loan can be modified to make your mortgage payments affordable based on you new income amount. I sent them a letter and told them if the reduce my interest from XXXX to 2 % and extend my 30 year mortgage to 40 years-it would lower my monthly payment and because of the 40 year loan they would be getting more in interest. That didn't work either! 
Where I stand now is they want me to pay {$59000.00} in one lump sum or be foreclosed on. 
I need your assistance in keeping my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX : I mailed paid in full check to Bridgecrest XXXX XXXX XXXX : I called to verify the check was received. It was confirmed they received the check. 

XXXX XXXX XXXX : I called to inquire about my vehicle 's title and was told the Lien Release document was mailed and I am to take that form to the DMV to obtain my title. I made it known I have never received the document. I then asked if i can have it emailed, I was told they couldn't email it but she put in a request to have the doc re-mailed to me and it should arrive 3-5 business days. 

*XXXX  XXXX XXXX : I called again because I did not receive any documents from Bridgecrest XXXX This time I was told the same thing that they will put in a request again, but this time I was told it would take up to 10 business days to receive. 

They've verify and confirm my address with me each time, none of my information such my address has changed since the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I noticed various problems with my credit reports and need them to be fixed there is a letter describing all of these issuses

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX Experian is reporting XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is reporting XXXX XXXX XXXX XXXX on my report. 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have never signed a HIPPA release form with the following alleged creditor : Alleged creditor : XXXX XXXX XXXX XXXX balanced owed : {$590.00}. 
Alleged agency : XXXX XXXX XXXX XXXX Therefore, these are inaccurate, HIPPA violations and I want this immediately deleted. HIPPA laws protect my personal medical information from being used without my concern and you are now aware of this HIPPA violations. Delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XXXX XXXX, i received a text from Chime asking me to turn on my international transactions on. After not answering I received an email telling me my card was declined for a service I know nothing about. When opening the chime app I found 3 different transactions. One for XXXX and then one for {$25.00}. While looking i saw that they cancelled a bill that needed to be paid on the spot and they cancelled my transaction and NOT at my request! I had to call Chime 7 different times to talk to the dispute department and a supervisor in the dispute the department. On the 7th time someone finally put in a dispute after two days of waiting on the phone and having to beg to have my money returned and while also asking where my refunds I received from cancelled items were. The person who made the dispute told me he was going to make sure i was going to receive my money back today ( XXXX XXXX ). I told the dispute representative how they didnt allow my bill to be paid but allowed 2 transactions from XXXX that I can not locate what they are nor did Chime provide any clarity on the matter, for him to say Now you must wait up until 10 days for a credit of the amounts to your checking ) this is after Ive been overdrafted by them for {$20.00} and kept having to move money in between accounts so I could have money for the week while also waiting for my refund credits. They were of no help now it is Monday and i have no money for the week and had to fight and claw just to have a dispute submitted! Upon doing my own investigation into Chime as they provided me no information, i came to find how many reports there are regarding chime all the way up to them being sued. They told me they were a legitimate bank when after doing research they arent. I really need help because they allowed my money to be stolen and now even allowed me to be delinquent on a bill because they cancelled it and I never once authorized a cancellation! Please help and please please look into this situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX  ET to XXXX XXXX  ET : Attempts to login to Citizen Bank App on XXXX reported : " LOGIN FAILED Your account is inaccessible at this time. Please try again later. 
CANCEL '' I contacted a representative using Chat on the web interface. I performed the following troubleshooting tasks : - Installed/uninstalled/installed app - Reset password - Confirmed able to login on XXXX XXXX XXXX XXXX XXXXXXXX - Confirmed able to login on XXXX XXXX XXXX browser After 15+ minutes on chat and 18:00+ minutes on the phone I was finally connected to a manager who informed me that there was a known issue with the app, and I needed to try again later. A functional support organization could have easily posted a notice to the website that the app was down and informed their support personnel. Instead, I had to go through pointless troubleshooting and long waits to finally be informed correctly. The customer support for Citizens Bank is terrible. 

In addition, the computing infrastructure and app should not be down during normal banking hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
Account number : XXXX Fair collections and out 15 U.S.C 1681 Section 602A states i have a right to privacy 15 U.S.C Section 604A states a consumer reporting agency can not furnish account wihtout 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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I attended a event in XXXX and my purse was stolen that included my personal information. A police report was filed with the XXXX XXXX police department, and I was advised to continue to monitor my credit report in the future. I recently pulled a copy of my credit report and noticed accounts and inquiries I have no affiliation with or knowledge. I contacted the credit bureaus in XX/XX/XXXX and XX/XX/XXXX to request verification of the accounts. I was also informed that my information was included in an XXXX XXXX. Furnishing information to my account with my written consent or knowledge is in violation of 15 USC 1681B. 

I have thoroughly researched, and these accounts being furnished to my profile are from someone using my information without my knowledge. Furnishing accounts due to identity theft further violates my consumer rights, specifically 15 USC 1681 c-2. 

I have affiliation with XXXX XXXX or XXXX 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 2024-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: FL

Complaint narrative:
I am submitting a complaint against my student loan servicer, Mohela. 

I applied for the IDR program in XX/XX/2023, and Mohela failed to process my paperwork promptly. Despite multiple calls, I was told my paperwork was still being processed. I had to call at least five times to place a forbearance on my loan while waiting for the paperwork. The first bill I received from Mohela in XXXX was just one week before the payment due date. Mohela only allowed me to place a forbearance for one month and continued billing me. I had to keep calling to extend the forbearance while the IDR was being processed. In XXXX, I was informed that the IDR was not sent to the correct department and had to be resubmitted. 

As of XX/XX/XXXX, it still stated that my IDR was being processed. Once again, I had to call Mohela to inquire and ask to put my loan on forbearance, as I received a bill with a XXXX due date. The representative couldn't help, and I was transferred to a supervisor who was supposed to call me back within 24 hours. The call didn't happen as promised. On XX/XX/XXXX at XXXX XXXX, a supervisor called me back, and after a 30-minute conversation, blamed the XXXX Department of Education for not forwarding my income verification. This contradicted my submission of all required information in XX/XX/2023. I was then asked to certify my income over the phone and have the IDR resubmitted for the third time. 

Mohela 's handling of applications and customer service is subpar, exhibiting disorganization, long hold times, delayed form processing, and errors necessitating multiple calls for forbearance due to their mistakes. Not to mention all the issues on them processing the student loan forgiveness applications in a timely manner. Please address this issue promptly. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2024-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have tried to use my prepaid American Express gift card several times and can not use the balance left. I have tried to make purchasers at several retailers, in person and online, and the card is always declined. I have verified the balance but the card still doesnt work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

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 2024-01-29 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I, XXXX, XXXX XXXX, federally protected consumer, I have a right to privacy.. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation. Please see the attached dispute Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( XXXX ) Passport Card ( Identification )

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Experian credit freeze account was compromised. Experian made it almost impossible to talk to a person about the issue. They have no two factor authentication, they have no process for assisting consumers that are victims of having their accounts hacked other than for that consumer to provide to them even more identifying information than they already have on file. 

The Experian security issues surrounding their poorly designed Experian account functionality are well documented in the press, and not only have they not fixed this issue adequately they have made it virtually impossible for consumers impacted to get any help.

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My father died in XXXX of XXXX and after probate was finally coming to a close, the personal representative wrote me a check from my late fathers Estate account with Chase dated XX/XX/XXXX for {$32000.00} and had it delivered to my attorney. I picked up the check and deposited it the same date XX/XX/XXXX into my personal account at my local Chase branch who let me know that the money would be available in a few days. On XX/XX/XXXX my personal and Chase and my Business account with Chase was restricted. Chase re-directed my inquiries to their Fraud department multiple times and after subsequent calling over many days, I learned that Chase did this because the check maker could not be verified with an outgoing phone call that is registered in the name of the check maker. Chase has informed me that they will not accept any documents or the makers physical presence in a chase branch to verify her as the maker of the check and that only the outgoing phone call to a registered number under her name would suffice. Chase informed me that they would eventually suspend my account and close it, which they have done. They informed me that they will keep my money for an average of 3-4 years before releasing it the state of Colorado. The bank has taken my money because they refuse to verify the maker of the check in any other reasonable way. I cant see how a publicly registered phone number in someones name is more credible than the actual human person standing in front of the institution with proof of identification. The elderly widow and maker of the check has been to her local Chase branch at least twice to fix this and will not register a phone in her name in order to satisfy the Fraud department. Chase is wrong to keep my inheritance over internal policies. Chase is able to know the check is valid and the maker is legitimate and is choosing to keep my inheritance because a Fraud department employee said they have a right to do this to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hi I have been a Capital One customer since at 2000. Only when I read a recent XXXX article about them scaming long term customers out of interest did I realize I was also a victim. 

Despite the 4.3 % or so rate advertised for the 360 Performance account, my account which I have maintained for almost 25 years -- going back to when it was opened as an ING account -- was getting 0.3 %. 

I don't get it. I had assumed after seeing a million TV ads for the high savings rates that i was getting them too. Foolish me. 

But how can they suppress my interest rate as a 25 year client and give 100 times that rate to brand new customers. What is Capitol one doing? Seems fraudulent. They stole XXXX XXXX XXXX XXXX XXXX  dollars of interest from me over years. 

XXXX XXXX--

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/XXXX, I rented a car in XXXX XXXX from XXXX XXXX XXXX. The automobile that I rented was stolen and after much prodding was given another vehicle. I paid all the fees for both the rental car that was stolen and the substitute car. According to the credit card company, because the rental car company will not provide the documentation, I can not receive the benefit. The rental car company insists that I owe them money, which I do not. I have a reconciled statement from a CPA indicating that, in fact, the rental car company owes me money. The rental car company refuses to cooperate and has threatened to take me to court. 

I have spoken with the credit card company on several occasions and despite all the documentation I have provided, they still refuse to move on the claim. They have the XXXX Insurance Claim that the damages were paid, photos of the damage, the paperwork that shows the stolen car and key to the car was returned. 

The amount of the benefit due me is {$800.00}.

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 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I want reinvestigate these accounts : XXXXXXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the Balances, and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/year> is reported on my credit as an hard inquiry that I have not applied for or notice until checking my credit, when I called XXXX XXXX they took off the wrong account and made my new card get closed and messed up my score.

Company response to consumer: Closed with non-monetary relief