vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a customer of Chase for nearly ten years. I have had the credit card in question ( Amazon XXXX Rewards XXXX XXXX Card ) for seven years. Since opening the account, I have drastically improved my credit situation ; my current score is now an XXXX, when it was in the low XXXX when I opened the card. 

As such, I submitted a request for a review of the APR for the card, as I had noticed my rate was 22.24 %, which seemed high. Looking at their own advertisements for this card, the variable APR range is advertised as 14.24 % 22.24 %. I assumed I had the highest possible rate because I barely qualified for the card when I opened the account 7 years ago, and incorrectly assumed it would be a simple matter to request this review based on my updated credit file. 

I have been blatantly lied to by Chase in their response, claiming " your current APR is the lowest rate available for your account ''. They have obstinately refused to enumerate the available range of APR values and denied that my citing their advertisement is relevant. I have requested a copy of my cardholder agreement which will undoubtedly confirm that my rate is the highest available, the exact opposite of the lowest they claim it to be ; for some reason, in 2022, it takes 10 days to receive a copy of this after requesting it instead of simply being available as a pdf to view on my customer portal like every other account I have. 

They have refused to provide this range from my cardholder agreement despite numerous direct requests for this information, I am being forced to wait for this stupid agreement request to be fulfilled ( naturally by a wasteful paper copy by mail so I can't easily search it digitally, as well, a legal tactic that several court circuits have soundly condemned as unethical ). 

I believe I am well within my rights as a borrower to receive this information when requested, and to request a re-review of my APR. Certainly they are in violation of their end of the agreement by refusing to provide simple information when requested, and by lying about the status of my account 's interest rate, claiming it is the " lowest rate available ''. 

I'm uncertain of my rights with regard to a review of my account 's interest rate, but if not, then what is the point of the variable rate if they can simply decide to lock you at the highest possible value and never allow you to escape being punished for being poor a decade ago? It feels misleading to advertise that a range of rates is available " based on credit-worthiness '', and then refuse to take my current credit report into consideration and simply flatly deny my request for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This account is showing late payments when clearly the status of this account is PAID. This damaging item is causing my credit scores to drop. Please investigate this matter. Otherwise, kindly fix this issue. Stated below is the erroneous account that is still reporting on my Credit Report : XXXX XXXX XXXX : {$200000.00}

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 non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: ID

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have reached out the American Express several times attempting to remedy this situation. All times they have failed to comply. 
I applied for XXXX credit cards with American Express in XXXX of XXXX. After crediting them twice, I received nothing. 

Credit pursuant 15 USC 1602- the term credit means the RIGHT granted to a creditor by a debtor to incur debt or to incur debt and defer its payments. 

By American Express denying me of credit cards twice -blaming it on credit bureaus- they are acting as if they are XXXX. Only XXXX can take away my birth rights. I am the original creditor! I credited American Express to EXTEND credit to me. 

If you have an extension cord and plug in something, does the power come from the extension cord or the source the extension cord is plugged into? The answer is the latter. 

I have sent a letter to American Express by certified mail that was delivered XXXX weeks ago. As well as reaching out the representatives from the company expressing the fraud that has taken place. 

American Express has violated title 18 USC section 241- Conspiracy against rights! Title 18 USC section 242 - Deprivation of rights under XXXX of law! Title 42 USC section 1983 - Civil action for deprivation of rights! Title 42 USC 1985 - conspiracy to interfere with civil rights! Title 42 USC 1986 - Action for neglect to prevent!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
I am nearing the end ( finally payment ) of my mortage with US Bank. I spoke with a representative last Monday XX/XX/2022 and asked for a pay-off amount and stated that I would like to apply the monies that were being held in escrow ( taxes, insurance ) to the final payment. The representative stated that typically US Bank does not do it that way and it would take approx. another 20 days for them to refund my money. She did however provide me with an email address to the department which handles these actions and stated that it should not be a problem to use the escrow funds- my money- to make the last and final payment. I have contracted this department three separate times and have only received and auto-generated response of " Thank you for your email. Serving our customers is our top priority and a response will be provided after a thorough review of the inquiry. '' The escrow funds are my money, money that I have paid into my mortgage account, and I feel that I should be able to use my money to pay off my mortgage. If US bank insists on holding my funds, then I should be entitled to interest on my money. 

Sincerely, 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 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. 
SEQUIUM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: First Advantage LNS Inc.
State: TX

Complaint narrative:
I am a consumer attempting to resolve a matter in good faith. As of XX/XX/2022, I have new evidence. Please refer to the attachment to see my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX / {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX, and Ally Financial Inc., have conspired together to compel me to pay a debt that I do not owe and violate public law. As a consumer credit transaction took place and XXXX XXXX XXXX XXXX, accepted my original promissory note as payment which gave it cash value then they attempted to assign said promissory note to Ally Financial InXXXX, without giving me a full disclosure of their intentions. Also after a very detailed study and review of the monetary system and the federal reserve system, I realised that my original promissory note was the original source of value which gave the credit in said consumer credit transaction. Being so I the consumer in said transaction owed no further obligation to said parties. Due to the lack of a full disclosure I sent a notice of rescission of any security interest given to XXXX XXXX XXXX XXXX. Therefore, Ally financial Inc., has no apparent authority to accept any assignment of security interest from XXXX XXXX XXXX XXXX, on my behalf as Ally Financial Inc., didnt provide any consideration to obtain the original promissory note. Any security interest given was done by misrepresentation, fraud and without a full disclosure. I have contacted both companies via certified mail in the form of a notarized affidavit under the penalty of perjury. Both companies have failed to properly respond to said affidavits and have also failed to take any necessary and appropriate action to reflect the termination of any security interest created under the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX my SSI check in the amount of {$840.00} and on XX/XX/XXXX for {$750.00} was deposited in a NetSpend account. When I tried to access my funds I was denied. Since XX/XX/XXXX I have been told the following versions of why I can't access my funds. First the request was for a copy of my SS card and my funds would be released. Once they received it they then wanted proof of address. Having been XXXX  I asked if a benefit letter from the DS Administration would suffice and was told yes. I received the letter XXXX weeks later, sent it in digitally and it was rejected as unacceptable. ( NetSpend sent my card to the same address ). I asked what would be acceptable since I had no bills being XXXX. I was told a letter from my XXXX XXXX XXXX would work. I provided a letter sent by XXXX on XX/XX/XXXX. I was told this morning that isn't acceptable. I have requested access, requested a check, and requested them to return the funds to the SS Administration and was told without additional proof of address they can't. They strung me along all month till my next benefit payment was also sent to my account totalling now just over {$1600.00}. I have filed a complaint with the FTC and the Florida Attorney General 's office which provides me this link. Attempts to contact NetSpend now result in disconnection every time and I need help. I have no money for even the basic hygiene products. I read online that the FTC took NetSpend to court in XXXX for the same reasons. They were ordered to pay out {$10.00} XXXX dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received payments through XXXX money transfer, as it was an easier option and a service I trusted. I received the money over the course of XXXX days, XX/XX/2022 to XX/XX/2022. The amounts were {$950.00}, {$600.00}, {$500.00}, {$750.00}, {$450.00}, {$500.00}, and {$300.00}. I was assured that XXXX payments are not refundable and it can not be reversed. I was surprised to see that the amounts were reversed and it was taken from my account. I was not notified and was not made aware that such claim was filed against me. I just saw the money was taken from my account and was given no further information about the case

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 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I have tried to fix this issue with my credit report with Transunion, XXXX and XXXX. To no avail even after I sent in my FTC report and Affidavit, I complained to the XXXX XXXX XXXX  Now my only resort is to file a complaint with the Attorney General 's office and the CEO of Transunion, XXXX and XXXX with how their companies continue to break laws and my XXXX rights! I have sent in XXXX letters ( multiple ), FTC reports, Affidavits and more XXXX letters to have the inaccuracies, fraudulent accounts and inquiries removed/blocked from my credit report. I have added fraud alerts to all XXXX bureaus. My name is XXXX XXXX and no other names should be on my report! 

This is my last attempt to have this corrected and I will be suing Transunion, XXXX and XXXX. 

I have requested that you correct the payment history on my CREDIT ACCEPTANCE - Account XXXX ( I never once paid late ) correct this asap! XXXX - account XXXX also needs to be removed from my credit report! That is an unauthorized account! Respect my XXXX FCRA laws, I know and you know that all fraudulent accounts must be blocked within 4 days of receiving this XXXX notice. I am sick of your XXXX and stalling tactics! You actually wrote to me saying that I did not authorize you to correct my report! I, XXXX XXXX, am giving Transunion, XXXX and XXXX XXXX to correct my got XXXX credit report! I have attached all the documents! I have also attached my social security card, government issued ID, my proof of residence ( my health insurance ), and whatever else is needed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX / XXXX / {$810.00} 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX and sending his complaint without any help from any credit repair companies. I have a loan with SELECT PORTFOLIO SER with the account number XXXX. I have always made my payments on time. As you can see, the status of this account is stating that it is paid as agreed. I tried contacting the XXXX and XXXX and even wrote thme a letter regarding the issue but up until now there has been no successful resolution. There was definitely an error on their part. Please fix this matter immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
XXXX XXXX and Rushmore have seriously damaged my familys financial situation costing us hundreds of thousands in unnecessary fees, penalties, and interest. 

Specifically, the bank commandeered the insurance proceeds from a fire, refused to apply those funds to the principle balance of the loan, refused to re-amortize the remaining balance, trashed my reputation with other banks eliminating any opportunity to refinance or go to a competitor, rejected three attempts at a loan modification, ignored multiple letters asking for documentation, ignored dozens of phone messages to representatives telling me they are my single point of contact, loaded our home mortgage with unnecessary and inappropriate advanced fees and balances for duplicate insurance & advanced tax payments, attempted an aggressive foreclosure without warning, added additional legal fees, finance fees, and taxes, refused to restructure credit card debt, withheld funds unnecessarily forcing overdraft fees, denied a land-only loan for the home that burned, sold off the note to Rushmore making it impossible for me to even talk to XXXX XXXX and making it impossible for Rushmore to address any historical complaints, and now they continue to destroy my reputation through bad credit scores, forcing me to pay egregious credit card rates on the remaining debt and burdened us with a mortgage debt we do not owe and an interest rate well above the conforming market rate. 

XXXX XXXX told us the only way to get a loan modification is to go into default. Then, they trashed our reputation and slandered us in the marketplace through a bad credit score, even though they told us to do it. Now, were stuck like indentured servants to them. We cant go to another vendor and they wont make any changes to the loan. 

Theyve locked us into a 5.5 % mortgage rate when we should only be paying 3.3 %. This is costing us $ XXXX in interest we should not be paying. Plus, this has been going on for years, so the additional interest paid is roughly {$200000.00} and counting. 

Please see the attached summary of letters, activities, dates, amounts, etc.. 

Rushmore continues to claim they have no history of the XXXX XXXX activity, and XXXX XXXX continues to claim they no longer own the note, so we have to talk to Rushmore. Its a vicious circle with no resolution. Its also extremely expensive, stressful, damaging, and soul-crushing to our family. 

Anything you can do to help?

Company response to consumer: Closed with explanation