vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC
State: MS

Complaint narrative:
Last XXXX of XXXX RE : Account Number I've previously requested my consumer report from you & provided all the necessary documentation & received a response stating that i didn't do as such. 
I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within 15 days or delete the trade-lines.

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 2023-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I had an escrow analysis, it said my escrow was deficient {$500.00}. I paid {$700.00} to keep from paying the interest they tried to charge me. On my statement, it says they are refunding {$210.00} instead of allowing the money to sit in the account. As my loan servicing company, they should not being charging me interest on my escrow, unless it is deficient the funds. I spoke to my county tax office and they said they have not yet determined the amount of the tax increase for this year. I added extra money to my escrow and my principle and they are still trying to raise my mortgage payment on a fixed mortgage, but no one can tell me why the large increase on my mortgage. I do know, the property tax can not raise more than 3 %, my insurance hasn't changed yet either. Why art they stealing from me? Could you please help me understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The American Express platinum credit card charges and annual fee. You receive certain benefits as part of the fee. One of them is access to the XXXX XXXX at airports. Until XXXX, they never charged a fee for a guest. Now they do. However, there was no mention of a new fee when they charged me in XXXX for my annual fee. This is misleading, deceitful and had I known, I would not have tripped for this year. 
They will not refund my fees nor will they answer my discussions via chat, despite listing it as a customer contact channel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I purchased a rental car on XXXX for a rental car with XXXXXXXX XXXX XXXX in XXXX, FL. When i returned the rental car i was overcharged for the rental car due to a mistake they made on their end. I talked to a manager she corrected the issue signed the receipt as proof. The extra charges were credited back to me and then months later they recharged my card. The first time my bank ( Fifth Third ) blocked the charge but when they tried a second time the charge went through. I put a dispute in with Fifth Third Bank but found out later that the person who set up the dispute set it up wrong and noted that the charge was a duplicate charge. Because they put the information in wrong about the charge being a duplicate charge they refused to dispute the charges. I contacted them again about it and found out they had two different claims open about the same incident. They opened up a new appeal on the claim but now they are saying that the charge can not be disputed because they received notice of the dispute more than 60 days after the the transaction. This is not true. Also i had a previous complaint with another claim where they seem to not find out the billing error even with all the proof available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
Misleading by bonus promotion enroll by XX/XX/XXXX fund new money by XX/XX/XXXX On XX/XX/XXXX transferred money from ally online savings to XXXX XXXX  On XX/XX/XXXX ally sends me notice that if I enroll by XX/XX/XXXX I can receive up to a XXXX cash bonus and that if I am eligible I will receive confirmation. Which I did. 
On XX/XX/XXXX ally sends me notice " nice work ****** you have been enrolled in our 1 % cash bonus program. Move new money into account by XX/XX/XXXX to become eligible. 
On XX/XX/XXXX requested a transfer of XXXX to ally bank On XX/XX/XXXX ally received XXXX transfer deposit Ally bank has since claimed they are not going to pay me XXXX since the money I deposited was not new money. Why then, did they send me a personal email promotion and then following up informing me of my eligibility and acceptance. 

Ally claim # 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 monetary relief
Consumer complaint received 2023-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XXXX XXXX Veteran XXXX XXXX XXXX now complains against MetLife. 
MetLife was fined {$120.00} million dollars for residential mortgage fraud committed from XXXX to XXXX, my fraud was committed on XX/XX/XXXX and continuing because I am being overcharged at 5.5 % interest which was falsely claimed at my home loan closing when I was quoted 4.5 %. MetLife 's now disbarred attorney XXXX XXXX, and their XXXX Georgia Home Loan manager XXXX XXXX ambushed me at the closing and said the VA had approved 5.5 % interest because my house was under {$50000.00}. Not only did the XXXX VA Regional Office later tell me that MetLife had made a false claim, but, I have the entire history of the VA Public Laws and nowhere is there any VA Public Law providing lenders a higher rate if the house is under {$50000.00}. XXXX recently published a report that many Veterans are being overcharged. My research on this which I will attempt to attach, shows that in XXXX XXXX, 3 Congressmen pushed Public Law 104-110 which only permitted the secretary of the VA the power to change the VA Home Loan interest rate from the traditional 1/2 percent below XXXX rate to " negotiation '', but not even MetLife or my FOIA requests or letters to the Secretary of the VA, no one, can produce any change signed by the VA Secretary from XXXX to XXXX, and even beyond, allowing negotiation. Because of the MetLife $ XXXX fine, my loan wound up with XXXX and I have not only been overcharged at 5.5 % interest, but my report to the CFPB has never been answered to me even though XXXX XXXX XXXX has just been fined by the CFPB for what they did to me and others, XXXX raisded my payments to {$370.00} from {$330.00} and ignored my requests for an explanation why, and XXXX concealed the CARES ACT from me which would have helped at the time to get my interest rate down to 2.7 %. MetLife also owes me {$230000.00} for concealing my life insurance policy and denying I had one, and, they caused me personal injury by not paying my VA Dental Insurance claims causing me to lose at least5 one, and probably two teeth. XXXX XXXX XXXX reported this as " The insurance industry under investigation. MetLife signed a 22 State Consent Order promising to pay me and then denied I even had a policy. Please help this time. Please send me additional space to submit documentation. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Reviewed my consumer report and noticed that unauthorized inquiries was furnished on my report. 

XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX  BANK - XX/XX/2023 XXXX XXXX XX/XX/2023 2023

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 2023-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX XXXX I found out that somebody open a fraudulent account with USAA in 2013 acct number XXXX and it was charged off. I sent USAA Documents and disputed this Bank account that wasn't mine. I sent in a police report fraud addavit and signatures of mine in front of a notary USAA DID NOT DO A FULLY INVESTIGATION On this matter. They notified me within XXXX weeks that it was verified mine which was a lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I began receiving collection letters and calls from XXXX XXXX XXXX stating that I had an outstanding debt that was placed for collection. I was told that I couldn't be sued for the debt because of the age of the debt and it being statute of limitations expired. I sent a letter requesting detailed information about the debt because I had no knowledge of the debt and wanted verification. I never received the requested verification of the debt. I then began receiving notices ( both by mail and telephone calls ) from XXXX XXXX XXXX XXXX stating that they were trying to collect the debt for XXXX XXXX XXXX. I called the number on a letter I received ( XXXX ) and spoke to XXXX. I again asked for verification of the debt. He notified me that the debt was transferred to a company named Radius Global Solutions LLC. I called Radius Global Solutions LLC and asked to be provided with verification of the debt and was told that they mailed me a collection letter in XXXX and I was asking for verification outside of the time frame that was listed in the letter. However, I never received a letter from Radius Global Solutions. On XX/XX/, I received a credit monitoring alert showing that a new collection/charge off account was added to my credit report. It lists XXXXXXXX XXXX XXXX as the original creditor and XXXX XXXX as the current creditor. This company has added an old debt that is statute expired to my credit report and reported it as if it is a new debt but has failed to provide me with any verification of the debt.

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 2023-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I paid my bill in full to Comenity- Victoria Secret XXXX XXXX before the due date through my XXXX XXXX XXXX TD Bank. They didn't receive the payment. I received another bill from them in XXXX. I have not made any charges to this account since the XXXX time purchase in XXXX. I was directed to their website to upload proof of payment. I have done that. I gave documentation that the bill was paid to them and that they had it. Finally, I had my bank stop payment and reissue the payment since they couldn't figure it out. They have been charging me interest and late fees now totaling {$140.00} on a bill that was paid in full and on time. Please note that Comenity-Victoria Secret had an mailing address change. However, Comenity- J.Crew had the same change and I incurred no problem with having my payment debited. I requested my credit card closed and they have done that except they are still requiring payment for the {$140.00}. 
Comenity-Victoria Secret 's practices are predatory and fraudulent. I should not be penalized for their inability to find a payment that was made to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
In XX/XX/XXXX, we applied to have a loan modification due to not being able to afford the mortgage. 

The loan modification was approved and we signed paperwork for HUD to apply {$24000.00}. The loan amount was {$110000.00} to start XX/XX/XXXX. This would make the payoff XXXX in XX/XX/XXXX. 

I have made all my payments since this time, and I am in process of refinancing my loan. US Bank is attempting to add a different HUD amount to my US Bank balance bringing my payoff XX/XX/XXXX to {$130000.00}. The error amount is {$14000.00} US Bank is not providing a payment history ledger showing how my payments have been applied. 

My current balance on their website is {$93000.00}. They are attempting to increase my current balance {$14000.00}. 

There is no way my current loan should be the same as I purchased the house for in XXXX. 

It appears US Bank misfiled the HUD amount and they are attempting to correct it to {$24000.00} from the {$14000.00}. In addition, they are wanting to add this to my balance, which is XXXX  % not correct. 

I am requesting US Bank to provide all documents of the proper HUD amount and ledger of my transactions from the time they assumed my loan from XXXX bank to the loan modification and after.

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 2023-02-19 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have an American Express card that is shared with my partner, XXXX. XXXX has used this card for XXXX purchases in the past. 

Over the last several months, we have noticed charges for " XXXX XXXX Downloads ''. The amounts for these charges have varied over the past year when they happen. The bulk of them have been accompanied with a reverse charge at a later date, but not universally until the last several months. American Express links in their online statement to XXXX, but with insufficient detail to reach the transaction in question. 

On the XXXX side of the equation, XXXX disclaims any knowledge about these charges and is unable to locate anything about them in their system. 

XXXX 's card number has been compromised at least once in the last year requiring a new card to be issued. American express did not require any repayment of the suspicious charges. 

I am concerned that these unexpected charges that can not be confirmed by XXXX are actually a third party spoofing XXXX rather than XXXX itself. In an attempt to get further information after no resolution over chat, I submitted a charge reversal for XXXX of these charges ( charge transaction date XX/XX/2023 ). American Express responded on XX/XX/XXXX ( ref # XXXX ) that they would begin investigating the issue. 

American Express responded on XX/XX/XXXX ( same ref # ) that they've closed the dispute. " We gthered the attached documentation we needed to explained this charge, and we've determined you're responsible for the amount in question ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-19 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: IL

Complaint narrative:
To whom it XXXX concern, I recently pulled my reports and noticed you are reporting an charge off each month with a balance of {$230.00} for this account. XXXX XXXX XXXX were both aware a charge off account is a dead account which means that there shouldnt be any interest accruing after the account charged off, there should not be any late payments reporting after this account was charged of along with reporting c/o every single month, Im aware that there is date of last activity ( the date on any account should be when a payment was made, or account status change made on the account ) so if you are reporting charged off every month the date of last activity is being reset every single month that you are reporting an charge off meaning that my reporting time is based on my date of last activity so with the XXXX year reporting time for every charged off account from my understanding this account was charged off in XXXX and since then XXXX continued to report charge off on my credit report, which affect my XXXX ( date of last activity ) & is continuously been extended I've attached copy of this account as its being reported from your bureau. 

Last XXXX of XXXX RE : XXXX I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The XXXX says that you have to tell me this in XXXX days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " XXXX years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within XXXX days or delete the trade-lines

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 2023-02-19 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ACCOUNT NAME ; NAVY FCU ACCOUNT # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC1681 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 USC 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. 

Furthermore, the interest rate on the loan was never signed for nor did I the Original Consumer ever sign for a or do I consent to do business with the. I request that this account for this loan is removed immediately and will be seeking remedy for under 15 USC 1692c for injuries!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I called Comenity Bank at the end of XXXX about fraudulent charges on my account. They transferred the account to a new account and sent me a new card. I noticed on XX/XX/XXXX that I had not received the card. I called Comenity Bank, and they said I should have received the card by now. The representative said she had to ask me some security questions. She asked me for a previous address, and I got the wrong zip code. I asked for a supervisor, and she asked more questions, and she said I needed to send in some documents to have a card sent to me. I wondered why they didn't ask for records or questions when I called in to transfer the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: MI

Complaint narrative:
Mrsbpo XXXX XXXX XXXX XXXX XXXX nj XXXX is attempting to collect {$630.00} claiming they are a debt collector for a credit card I have never had. They call multiple times and have sent letter asking for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief