vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023 I was locked out of Chase bank account for unknown reasons. I went to Chase bank to investigate and found out {$3000.00} was deducted from my account into my XXXX XXXX account but I did not request the transfer. Chase Bank said they would start an investigation but that I needed to reach out to XXXX XXXX company. I had to open a new account but in the mean time my {$3000.00} is on hold through XXXX XXXX. XXXX XXXX is saying it will take 2 to 5 years to investigate the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I opened a Citibank credit card with my husband ( XXXX XXXX ) on XXXX. 
I was then offered a bonus of {$450.00} for depositing {$50000.00} in a Citibank Savings account ( and maintaining that minimum balance for 60 days ). 
I opened a savings account to take advantage of that offer. 
An email from Citibank confirmed that the account was opened on XXXX. This was an individual account in my Name ( XXXX XXXX ) as Citibank did not offer the option to open a joint account. 
I proceeded to link the Citibank savings account with my XXXX account ( which is joint with my husband, XXXX XXXX ). 
Micro deposits between the two accounts were successfully made by XXXX. 
On XXXX I transferred {$50000.00} from my joint XXXX account to my individual Citibank savings account. 
I logged into the Citibank account at least twice to confirm my transfer went through. 
On XXXX I was not able to log into the savings account. 
After many conversations with several Citibank representatives, I was told by XXXX that my account had been " marked for closure '' by Citibank 's fraud department. 
I was told that I would receive a letter explaining what happened in the next couple of weeks. 
XXXX confirmed that the only activities on the account were the microdeposits and the {$50000.00} deposit from XXXX. 

The letter ( dated XXXX ) stated that Citibank was terminating our banking relationship, yet did not state when my {$50000.00} would be returned. 
I called Citibank on XXXX and spoke with XXXX who again confirmed that my account held {$50000.00}. He stated that the problem was that the deposit was made using a " third party check ''. XXXX told me that my funds would be returned either to me or to the originating financial institution ( XXXX ) within 30-60 days. 
I waited well beyond that 60 day window but the funds were never returned. 
On XXXX I called Citibank and spoke with XXXX who told me that XXXX would need to file a claim with Citibank. 
Citibank also confirmed that they still had the {$50000.00} in a later phone call with XXXX. 

I then spoke to XXXX at XXXX ( XXXX ) who said that XXXX would recall the EFT and gave me a dedicated associate to handle the matter. 
XXXX also informed me that the EFT from XXXX to Citibank was actually not done in my name ( XXXX XXXX ), but instead done in my husband 's name, XXXX XXXX ( who was joint on the XXXX account ). 
On XXXX ( 30 days after the EFT recall ), XXXX from XXXX informed me that Citibank failed to respond and also failed to return the funds. 
At this point, my Citibank is still in possession of my {$50000.00}.

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 monetary relief
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose

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 2023-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. 
Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act my XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on an installment loan under an open end consumer credit plan as late for any purpose.

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 2023-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, American Credit Acceptance voluntarily relinquished rights to the property and deleted the accounts associated with the account once held for the consumer in response to a correspondence sent to XXXX XXXX, then CEO of AMERICAN CREDIT ACCEPTANCE LLC, from the consumer for noncompliance and inaccurate reporting regarding the CARES Act : 15 USC 1681S-2 ( a ), 15 USC 1681S-2 ( b ), 15 USC 1681S-2 ( f ) ( 1 ), 15 USC 1681S-2 ( 2 ) and 15 USC 1681S-2 ( 3 ) on XXXX XXXX XXXX.

North Carolina General Statues 44A-3 outlines that when property is voluntarily relinquished ( rights to collection have ceased or have been given up/ charged off ) the lien terminates and that reacquisition ( repossession ) of the property shall not reapply the lien and it [ the lien ] becomes unenforceable.

44A-3. When lien arises and terminates.

Liens conferred under this Article arise only when the lienor acquires possession of the property and terminate and become unenforceable when the lienor voluntarily relinquishes the possession of the property upon which a lien might be claimed, or when an owner, his agent, a legal possessor or any other person having a security or other interest in the property tenders prior to sale the amount secured by the lien plus reasonable storage, boarding and other expenses incurred by the lienor. The reacquisition of possession of property voluntarily relinquished shall not reinstate the lien. Liens conferred under this Article do not terminate when the lienor involuntarily relinquishes the possession of the property. ( 1967, c. 1029, s. 1 ; 1991, c. 344, s. 3, c. 731, s. 2. ) AMERICAN CREDIT ACCEPTANCE LLC should and should've complied further to reflect the voluntary relinquishment, by removing the lien from the title of ownership however, AMERICAN CREDIT ACCEPTANCE , LLC. refused to do so against the consumer request and compliance to the statue upon voluntary deletion and relinquishment of the account. 

XX/XX/XXXX, the consumer learned that XXXX XXXX XXXX XXXX illegally " repossessed '' the vehicle described in the title of ownership belonging to the consumer allegedly under the orders of AMERICAN CREDIT ACCEPTANCE , LLC however, there was no repossession order reported to law enforcement nor a tow order which resulted in a larceny report on the vehicle reported by the consumer on XX/XX/XXXX. XXXX. 

After learning about XXXX XXXX XXXX XXXX and AMERICAN CREDIT ACCEPTANCE 's Illegal possession of the private personal property, I made demand for its appropriate return and they both declined and continued in possession of the property of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Dear Sir / Madam We booked XXXX XXXX XXXX located in downtown XXXX XXXX, CA for two nights of XX/XX/XXXX and XX/XX/XXXX. At 1st night of XX/XX/XXXX we stayed in room XXXX XXXX around XXXXXXXX XXXX of midnight my wife was XXXX XXXX XXXX XXXXXXXX XXXX woke up, there are multiple XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and we found a bed bug in bed. Then we immediately went to the inn office to report the incident and requested to switch a room. 

However the staff said that the inn was full and there was no vacancy room for switch. He asked us to come back in morning and promised to switch a room for 2nd night of XX/XX/XXXX. We had no way but went back room # XXXX, but we could not sleep because XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Next morning the staff switched our room to room # XXXX for 2nd night of XX/XX/XXXX, the room # XXXX was fine with no bed bug. 

On XX/XX/XXXX I called the hotel and requested a refund of {$100.00} ( cost of 1st night stay on XX/XX/XXXX ) ; however the hotel representative named XXXX refused to refund. 

On XX/XX/XXXX and XXXX XXXX, XXXX I submitted a dispute in writing with the same description and pictures of multiple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a bed bug found in our bed as evidences to the credit card issuer-Chase for two times ; However on XX/XX/XXXX Chase finally rejected my dispute with Chase confirmed that the transactions you disputed are valid. 

We do not agree with Chase conclusion that " Chase confirmed that the transactions you disputed are valid ''. The conclusion of investigation is unfair for us, because of bed bug we dissatisfied the stay in XXXX XXXX XXXX, my wife was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX she was not able to sleep whole night. We lost {$100.00} for that night. We doubt whether Chase really did investigation. 

Please help us to get corrected. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc.
State: IL

Complaint narrative:
I set up autopay from my bank account to make payments so I would not forget. ( Which I have no clue why I was paying it because I only owe 2 student loans and this 3rd bill came from nowhere I guess ). The University continued to take said auto pay from my account for months. 
Out of the blue, I get a notification from XXXX XXXX, I have a debt collection hit on my credit score! Come to find out, my payments have been stopped and I have been turned into collections. I never asked them to stop taking payments, never changed banks, and never ended the checking account with my bank. I still have the same everything. 
How on earth can this happen? Clearly, I have never missed a payment on any debt I have and that can be seen on my credit report that states 100 % payments made history. I have no clue on how to even go about taking care of this, but I do know, that bill that I had payed down has accumulated into a bigger amount and I have done nothing to make this happen. I'm so upset. There should be laws on stuff like this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Suspicious new credit card account opened in my name. I did not open this account or made any purchases

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 2023-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received an email notice from XXXX on XX/XX/2023, indicating that a credit file inquiry was made by Bank of America. I have a checking account with Bank of America so I assumed it had something to do with that. However, today, XX/XX/2023, I received a letter that looks like it's from Bank of America that states they are " working on your application for the XXXX XXXX  XXXX XXXX card and need to verify the information on your application. '' I NEVER applied for this credit card and believe that it was done fraudulently by someone using my personal information. I just spoke with XXXX who put a fraud alert protection on my credit that will also be shared with XXXX and XXXX. XXXX also said they will remove the disputed inquiry by Bank of America, but informed me that I need to contact XXXX and XXXX separately to ensure that this happens there as well. XXXX also suggested that I file a complaint at FTC.gov, which redirected me here to the CFPB. XXXX provided me with a correct/safe number for Bank of America , so I will contact them today regarding the 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 non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
At the beginning of XXXX, my previous mortgage servicing company XXXX XXXX, notified me that loan servicing was being transferred to Roundpoint Mortgage Servicing Corporation, effective XX/XX/XXXX. I had already sent my XX/XX/XXXX to XXXX XXXX on XX/XX/XXXX, before being notified by either company of the transfer. I began making monthly payments to Roundpoint XX/XX/XXXX, but they began calling me before mailing any statements, saying I was behind in payments since XX/XX/XXXX ( sent to XXXX XXXX ). After several calls to their customer support, they explained that my monthly payment increased by {$480.00}, due to escrow shortfall, going from {$1400.00} to {$1900.00} per month. Roundpoint also said they would request the XX/XX/XXXX from XXXX XXXX, where it was sent. To date XX/XX/XXXX, I have made 4 months ( XXXX, XXXX, XXXX, XXXX ) worth of payments, from my XXXX XXXX XXXX XXXX XXXX feature, totaling 4 x {$1900.00}, my bank lists transaction dates as follows : XX/XX/XXXX, XXXX XXXX, {$1400.00} XX/XX/XXXX, Roundpoint, {$1400.00} XX/XX/XXXX, Roundpoint, {$1400.00} ( special payment to make up 1st 3 payments shortfall ) XX/XX/XXXX, Roundpoint, {$1400.00} XX/XX/XXXX, Roundpoint, {$1900.00} The latest Roundpoint billing statement dated XX/XX/XXXX arrived in mail today XX/XX/XXXX, stating I owe {$3600.00} due by XX/XX/XXXX, else incur late fee of {$54.00}. The statement mentions that partial payments are kept in a suspense account, rather than being applied properly. Even if I overpay on XXXX, I am highly suspect that they will apply all payments properly and promptly, and continue to charge me late fees. 

Other people have reported troubles with Roundpoint, the same as mine, which have been described in reviews here https XXXX XXXXroundpointmortgage.com Roundpoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX, NC 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 2023-04-13 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: TX

Complaint narrative:
I have disputed an error on my report twice. I had ask equifax to have the lender to show proof the account is mine. I disputed this error off 2 other reports and it was removed but having an issue getting removed off of equifax. The gentleman told me that were different companies. I just dont understand how it doesnt show on other reports but this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: CA

Complaint narrative:
In according 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. 
XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.lf a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely,

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