vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
In XXXX of 2020. My mortgage lender. Started a escrow account without my knowledge or my permission. ( Chase Mortgage ) I have been told by my Bank this is an illegal action. I am current with my mortgage payments. I've never been late with a mortgage payment. Chase Mortgage bought my mortgage. Or about 10 years ago. I have always paid for my own home homeowners insurance and property tax. When Chase Mortgage bought my mortgage. They bought a credit card debt. Which was in my name but used by my ex-wife. 
Chase Mortgage hounding me with at least 24 applications to refinance. I told him over the phone several times to stop sending me application to refinance. Prior to ... I sent a check for an additional payment on my principal of the loan. The regular mortgage payment and payment on the principal Separate Checks. When I did not find out ... through my bank statement that my principal payment check had been cashed they told me with my principal check had been eating by their machine. Chase Mortgage. Both checks were placed in the envelope side by side if it chewed up one check it should have chewed up the other one. I am a senior citizen and the way I was treated. I felt like they thought I was old and I couldn't do anything about it. In any event they started an escrow account in XXXX of 2020. Whereby they created their own home insurance policy. And I have homeowners insurance. I know for certain you can not have two insurance policies on the same property. already had my own homeowners, so Chase in fact took out their own homeowners insurance and created a escrow account without my knowledge. Then they put a lien on my home. What they were trying to do was collect the credit card debt that they bought when they bought my home mortgage. Or I couldn't go elsewhere and refinance my home with another lender. This can not be proper and just ... for Chase Mortgage to take this action against me since I was not behind on my payments in my mortgage. Chase Mortgage has in fact violated my rights ... as a consumer. Chase knows in fact that I can not hire a lawyer to fight my case so they think they can treat me any way they please. Well, this is an outrage to treat a senior citizen and such a horrible manner. Mainly I want to know what can be done about Chase Mortgage. I found out for my banker that they can not start an escrow account without my signature on my consent. Chase Mortgage did in fact break the law!!! They in fact have the lowest satisfaction rate..of any mortgage company across the USA ... Chase mortgages rating with their consumers is in the 60 % range. For I am definitely not the only person. That has their problems with Chase Mortgage. Please advise on what I should do or how I should proceed with this matter. I live alone, I have no one to help me whatsoever. Chase Mortgage is trying to intimidate me. Or bully me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: WI

Complaint narrative:
XXXX and Equifax are both reporting 4 hard inquiries to my credit report as I shopped for a mortgage refinance. Two if not three of these inquiries should be removed. 



Name Requested On XXXX XXXX XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX via EQUIFAX MORTGAGE SERVICE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021 I disputed with this credit reporting agency about the inaccurate reporting of collection items XXXX XXXX -- XXXX because this Account is transferred for recovery, but is reporting a balance of {$13000.00} in a past due amount of {$13000.00}. This is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue as of today. I have uploaded my proof. 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 2021-03-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in XXXX XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also XXXX XXXX XXXX XXXX ( XXXX ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
On loan # XXXX with Loandepot I was told I had a " locked in '' interest rate. After interest rates went up the company turned down my application. I have quite a bit of evidence proving my eligibility but the company has ignored all my calls emails etc. 


I have too many attachments to email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 XXXX XXXX XXXX # XXXX XXXX TX, XXXX XX/XX/XXXX XXXX Credit Bureau Name Bureau Address Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/XXXX Accounts are being reported with different either different payment statuses or the balance is {$0.00}. Under date last active. If this is the same account being reported by the same creditor why is the information different? Furthermore, if my balance is zero, why is the account still on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IA

Complaint narrative:
I recently moved, and I've changed my address with Chime Bank. I've submitted the requested documents on several occasions, and they continue to re-ask for the same documents. Due to this poor customer service, I've closed the account, and they owe approximately {$300.00} ( money in the account at the time of closing ). Below is a sample of one of their emails to me. 

Thanks, XXXX XXXX XXXX XXXX XXXX, Here XXXX! I do apologize for the hassle. I can assure you that this is not the experience that we want for you. Unfortunately, we are not able to accept it since the documents submitted are not valid bills and are not submitted in the format requested. 

To allow me to proceed to update this information, please submit a clear photo of your proof of address showing the XXXX corners, unfolded, dated in the past 30 days, and under your name. Once you have shared this information, I will be able to proceed. Additionally, if you would like to get personalized support via phone, you can call us at XXXX. Unfortunately, we are not able to complete outbound calls to our members. I do apologize for the hassle. 

I look forward to hearing from you. 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: AL

Complaint narrative:
In XXXX and XXXX of XXXX I disputed with this credit reporting agency about the inaccurate reporting of collection items XXXX XXXX  -- XXXX because this Account is transferred for recovery, but is reporting a balance of {$13000.00} in a past due amount of {$13000.00}. Also, XXXX XXXX -- XXXX XXXX -- - reporting XXXX different dates of last activities. XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax. Also, there are different high balances being reported. {$7500.00} on XXXX and XXXX, {$6000.00} dollars on Equifax. This is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue as of today. I have uploaded my proof. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
account was paid settled on {$150.00} for it to be removed from my credit over the phone. paid debt on XX/XX/2021 credit is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in XXXX XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also XXXX XXXX XXXX XXXX ( XXXX ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of XXXX I disputed with this credit reporting agency about the inaccurate reporting of collection items XXXX XXXX -- XXXX because this Account is transferred for recovery, but is reporting a balance of {$13000.00} in a past due amount of {$13000.00}. Also, XXXX XXXX -- XXXX XXXX -- - reporting three different dates of last activities. XX/XX/XXXX on TransUnion, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. Also, there are different high balances being reported. {$7500.00} on Transunion and XXXX, {$6000.00} dollars on XXXX. This is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue as of today. I have uploaded my proof. 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 2021-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I haven't had access to my online account in over a year. They intentionally block users from seeing their balance. I had zero interest and then suddenly they added the interest because the account was not paid in full. The issue is had I been able to see my account I would've been able to increase my payments to close the account before the interest hit the account. Every time I need to make a payment I have to call them and I cant see my balance to know if they are applying it to my account and I dont know if the balance is decreasing. 

I have called and spoken to the payment department and they insist that the account can not be viewed because they updated the system. They have been saying that a year now. Im paying them blindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states 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 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the XXXX  you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Below is the letter I have emailed and submitted by online complaint. 
I have also explained this and much more on many phone calls as well. 
GM has a very serious problem with communicating with a customer once a problem is identified. 
A month or so back I made a verbal complaint and I have a case # of XXXX. 
I have not had any luck at all with these methods. 
Please review this and let me know how we can resolve this. 
Thank you, GM FINANCIAL, XXXX. # XXXX I am contacting your because I want to resolve the problem with my account and have always been willing to do so. 
I paid off this account on XXXX XXXX 2020. I printed a confirmation at that time. The next day I received an email confirmation stating that no further action is required your words not mine, I printed that as well. 
On XXXX XXXX 2020 on received the Title to vehicle in question in the mail. It is a clear title in my name with no lien. 
On XXXX XXXX 2020 I received an email stating you had great difficulty contacting me which is not true- this is the first notice I had that there was any kind of problem and it did not state what the problem was. 
I called to see what the problem was and your agent told me that my check bounced. I will not put up with an accusation like this from anyone, especially when it is not true. 
My bank always calls me if there is a problem with any of my accounts because they do not want to make me mad. 
Since then I have called several times to try to get this resolved. Your people are not trained very well and are not willing to report this to someone who can help resolve this problem. 
I will be glad to pay you the {$6200.00} that you did not get the first time if you will produce 3 things.

1 A letter guaranteeing that GM Financial will not report any negative information about me and this account to any and all entities and persons and guaranteeing that GM Financial will remove any negative information that has been reported to any and all entities and persons about me and this account.

2 An explanation of how this happened why you waited so long to contact me. 
3 Some kind of credit for my damages. I have not been able to use and enjoy my vehicle because you have informed me that my vehicle would be repossessed and I have had 2 repo companies contact me regarding this issue. 
I am always negotiable and am willing to live up to my part of this thing. 
It will take reasonable communication from GM Financial to do so. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

BK OF AMER, Inquired on XX/XX/2019, XX/XX/2019 XXXX Inquired on XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX, Inquired on 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 explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a large payment in the amount of {$1300.00} to my Citi account and my credit limit was lowered from {$5000.00} to {$3200.00} immediately following my payment resulting in a 5 point decrease in my credit score. Had the limit stayed the same, my credit would have improved as it had done with my making on time minimum payments. My attempt to improve my credit actually made it worse. I want to pay down my debt without taking hits to my credit due to higher than normal payments. I am being held hostage to interest payments over a longer period in order to improve my credit. What Citi has done is not fair to me. I have been praying my bill as agreed since 2013, never missing a payment and they penalized me for trying to pay down my debt with them. This is plain wrong. How can I improve my credit without spending thousands MORE in interest on my high balance? The fact that they did this only after I made this large payment is fraudulent, predatory and goes against their advertising of treating customers fairly. They gave me a limit and penalized me for using it. It is wrong. What kind of relationship exists between Citi and its customers? I have been loyal to Citi spending thousands of dollars in interest with them to keep the benefits I enjoyed! I am as loyal as a customer can be. I feel betrayed by a bank I thought I could trust. They do not care about the customers credit experience. I am only a system generated credit card number where some algorithm determines that my credit payment history with Citi doesnt matter and to further penalized me for doing the right thing by paying down a balance to help improve my credit. Had I made another minimum payment, my credit likely have continued to improve. I am disappointed in the disloyal decision.

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 2021-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Bank Auto Loan has been charging outrageous interest rate and have me signed in the middle of the pandemic agreements to extend their hicking of interest to have my loan impossible to pay. I have been struggling to make payments to keep a car that is was very expensive in the first place with a 23 % interest which is a robbery to people. I wanted to get this loan done and I have only XXXX borrowed to pay for this loan because they keek hicking up interest and robbing me blind. My car worth XXXX and it has a mileage of XXXX breakings all the time. I need them to meet me halfway and let me pay off the car for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My problem is with coinbase. Case # XXXX - Lost phone. 

I lost my phone in a taxi and promptly reported it lost with coinbase on XX/XX/2021. Per their policy it would take 10 business days for them to verify my new phone and unlock my account. I followed all steps as detailed on their website to restore access. They never contacted me. I have wrote customer service and the only response I received was them asking me to wait. I sent my last email to their customer service department on XX/XX/2021 asking them to address the problem. As of XX/XX/2021 I have not received a response.

Company response to consumer: Closed with monetary relief