vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I really wish someone would review Fifth Third yelp reviews. There is something seriously wrong with this bank and it should be investigated! They have a 1 star review in yelp definitely the lowest I have every seen!

I have had repeated problems with Fifth Third Bank. They purchased my mortgage after I refinanced and have made the whole process incredibly difficult. The first demonstration of this was they sent me information to log in to their website to setup automatic payments but when I followed the instructions the site told me I was not in their system and could not set up an account. This caused me multiple problems because I had to setup auto payments through my bank on a static amount. Subsequently they adjusted my impound account two times. The first was without notice or at least I never received the notice or analysis. They then reported to the credit bureau that I had missed a payment when in fact they received the payment but it was minus the new adjustment. I tried to contact them and ran into multiple issues of getting disconnected. I tried to fight this but later gave up. This then happened a second time but they sent the analysis and a bill for the shortage in the impound account which I paid in full. Then started harassing me saying I was late on my payment and short by {$6.00} on a {$3000.00} mortgage. I tried to call multiple times and their system says it is transferring you but then hangs up. Then I tried online through their chat. After a week I got one of their managers to call me. She kept insisting this was my fault. I tried to explain the background context but this is absolutely the worst bank I have ever dealt with! Please look into them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
this account is over 10 years old they keep furnishing my private consumer information without my consent i have contacted them via USPS XXXX certified mail number they have never responded the elotted 30 days with the original contract and wet ink signature they have violated my right because texas law only allows 4 years and this account is over ten years old

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: IL

Complaint narrative:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC  ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
I had 4 accounts with conns. They sent settlement letters month after month on the charged off accounts. I took the last one they sent and sent a settlement letter and check for each account for that amount. My letter stated if this wasnt a good settlement anymore, to shred the check and let me know. They cashed all 4. They then took the check amounts and are reporting all accounts as still having a past due balance as if they have not been settled. Now they are sueing me for the balance on the account ending in XXXX as if these are not settled debt. i have sent dispute after dispute. They keep reporting past dues on a charge off ( not allowed due to FCRA ) to keep updating my negative accounts to new every month. Accounts have been closed for a year. The bureaus refuse to investigate my pictures and delete on their own as you can see in my documentation i am correct. Please help me get these accounts settled as they should be with conns so collections cease and deleted from my reports as i have files full of documentation of them repeatedly updating my accounts after disputes to make them hurt my scores more each time i dispute. This is shady business practices. I want this on consumerfinance.gov as conns has done nothing to repair the situation. I also had a positive account in XXXX ending in XXXX they updated with a charge off status in XXXX ( 7 years later ) and it was never a charge off! They refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: NY

Complaint narrative:
I wrote them requesting an investigation into items that I believed were not right I have not received a reply from you or any acknowledgment that an investigation has begun.

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 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, SYNCHRONY FINANCIAL/ PAYPAL has reduced my credit limit from {$6100.00} to {$1500.00} without my consent nor request. I am the consumer and natural person who initiated the credit sale pursuant to 15 USC 1601 Truth In Lending Act. 

Fact, Pursuant to 15 USC 1601 ( p ), The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Fact, reduction of my credit limit provides me no benefit and is a violation.

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 2021-09-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I wrote them requesting an investigation into items that I believed were not right I have not received a reply from you or any acknowledgment that an investigation has begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I wrote them requesting an investigation into items that I believed were not right I have not received a reply from you or any acknowledgment that an investigation has begun.

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 2021-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
UWM has posted my payment to someone elses account. I have provided proof of them cashing the check and they not applied it to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I applied for an auto loan and was denied because the vehicle is considered a commercial vehicle and I would need to apply and fill out documents for a commercial vehicle loan. The bank should not have pulled my credit report because they never attempted to process my loan. It was denied because the wrong forms were filled out. Please remove this hard inquiry from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: MA

Complaint narrative:
The XXXX XXXX XXXX XXXX inaccurately reports card balances to CRAs to be viewed as revolving credit without a credit limit. This practice has led to higher balances being reported than what is due and furthermore has resulted in multiple decreases in my credit scores across the bureaus due to the credit utilization algorithm. 

XXXXnfo on reporting and payments with XXXX : 1. Card statement is from the XXXX to the following month on the XXXX. 
2. The XXXX credit card payment due date is the XXXX of each month. 
3. The XXXX payment date is the XXXX of every month. 
4. I add funds to my XXXX credit card and XXXX will put aside payments for the card and pay automatically on the XXXX of every month. 

Issues : 1. The payment date occurs on the XXXX of every month even though the statement cycle is XXXX to XXXX. This means the amount due is always based on the month prior balances. 
2. Since balances are based on the month prior, a balance carries over into the next billing cycle. Thus a constant balance is reported to CRAs. XXXX adds account notes saying the account was paid in full, but this is inaccurate based on the balances reported. 
3. Due to the misleading/inaccurate XXXX reporting, this has affected my credit utilization and resulted in my credit score dropping two to three times significantly. 
4. XXXX acknowledged twice that the reporting date does not align with the statement date nor the payment date, yet they continue to falsely report that I have a balance when I do not. 

Specifically : On XX/XX/2021, my credit score dropped an average of 23pts across all bureaus. 
Reason : XXXX updated the bureas that I had a balance increase of {$140.00}. Bringing the total balance to {$430.00}. On XX/XX/2021, XXXX sent the XXXX XXXX statement showing that {$290.00} had been paid on XX/XX/2021. This means that XXXX should have updated the balance on XX/XX/2021 to only be {$140.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: MA

Complaint narrative:
The XXXX XXXX XXXX XXXX  inaccurately reports card balances to CRAs to be viewed as revolving credit without a credit limit. This practice has led to higher balances being reported than what is due and furthermore has resulted in multiple decreases in my credit scores across the bureaus due to the credit utilization algorithm. 

Info on reporting and payments with XXXX  : 1. Card statement is from the XXXX to the following month on the XXXX. 
2. The XXXX credit card payment due date is the XXXX of each month. 
3. The XXXX payment date is the XXXX of every month. 
4. I add funds to my XXXX credit card and XXXX will put aside payments for the card and pay automatically on the XXXX of every month. 

Issues : 1. The payment date occurs on the XXXX of every month even though the statement cycle is XXXX to XXXX. This means the amount due is always based on the month prior balances. 
2. Since balances are based on the month prior, a balance carries over into the next billing cycle. Thus a constant balance is reported to CRAs. XXXX adds account notes saying the account was paid in full, but this is inaccurate based on the balances reported. 
3. Due to the misleading/inaccurate XXXX reporting, this has affected my credit utilization and resulted in my credit score dropping two to three times significantly. 
4. XXXX acknowledged twice that the reporting date does not align with the statement date nor the payment date, yet they continue to falsely report that I have a balance when I do not. 

Specifically : On XX/XX/2021, my credit score dropped an average of 23pts across all bureaus. 
Reason : XXXX updated the bureas that I had a balance increase of {$140.00}. Bringing the total balance to {$430.00}. On XX/XX/2021, XXXX sent the XXXX builder statement showing that {$290.00} had been paid on XX/XX/2021. This means that XXXX should have updated the balance on XX/XX/2021 to only be {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The XXXX credit builder card inaccurately reports card balances to CRAs to be viewed as revolving credit without a credit limit. This practice has led to higher balances being reported than what is due and furthermore has resulted in multiple decreases in my credit scores across the bureaus due to the credit utilization algorithm. 

Info on reporting and payments with XXXX : 1. Card statement is from the XXXX to the following month on the XXXX. 
2. The XXXX credit card payment due date is the XXXX of each month. 
3. The XXXX payment date is the XXXX of every month. 
4. I add funds to my XXXX credit card and chime will put aside payments for the card and pay automatically on the XXXX of every month. 

Issues : 1. The payment date occurs on the XXXX of every month even though the statement cycle is XXXX to XXXX. This means the amount due is always based on the month prior balances. 
2. Since balances are based on the month prior, a balance carries over into the next billing cycle. Thus a constant balance is reported to CRAs. XXXX adds account notes saying the account was paid in full, but this is inaccurate based on the balances reported. 
3. Due to the misleading/inaccurate XXXX reporting, this has affected my credit utilization and resulted in my credit score dropping two to three times significantly. 
4. XXXX acknowledged twice that the reporting date does not align with the statement date nor the payment date, yet they continue to falsely report that I have a balance when I do not. 

Specifically : On XX/XX/2021, my credit score dropped an average of XXXX across all bureaus. 
Reason : XXXX updated the bureas that I had a balance increase of {$140.00}. Bringing the total balance to {$430.00}. On XX/XX/2021, XXXX sent the XXXX builder statement showing that {$290.00} had been paid on XX/XX/2021. This means that XXXX should have updated the balance on XX/XX/2021 to only be {$140.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I was on a forbearance from last 18 months, and Mr. Cooper is now forcing me to start making payments when I am not in a position to make payments. 

I asked Mr. Cooper to do a Modification under cares Act, instead of reducing my payments, they increased it by {$550.00}, they have completely lost it. 

This is not justified and doesn't make any sense. 

Not only they increased my payments, they also increased my principal by XXXX This doesn't make any sense to me. It seems they are just being greedy and nothing else. They haven't worked on their interest rate, they are still charging me 5 % interest when market rate has gone down to 2 %. 

I am attaching the loan modification letter over here. 

Other thing is my Point of Contact " XXXX XXXX '' is also not available, I called on her phone number provided, someone else picked up the phone, the person who picked up the phone said that she can not receive inbound calls, and she can only make calls whenever she feels like. I faxed her on Fax number ( XXXX ) XXXX but there is no response. It seems they all have lost their senses and they just need money, that is it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was the victim of identity theft. ( With proof ) and the person responsible did over $ XXXX of merchant disputes or " chargebacks '' using my debit account. When this was happening I was outside the country with only my debit card to use. Chase suddenly cut off my card without ANY notice or notification about it. Then they couldn't verify my identity when I called about my card not working. WE DIDN'T EAT FOR 2 DAYS BECAUSE OF THIS! Then I called for a week and finally chase verified my identity and told me " as of now your account is permanently closed and JP Morgan Chase FOR LIFE '' Now I'm back in the united States and received a bill for {$14000.00} that chase says I owe for even though I reported it to chase that it wasn't me. I even called them daily about it for over a month while on vacation and they said they have no record of anything. I have call records and calls recorded regarding me reporting it to chase. I am also banned from XXXX for life. The same person used my XXXX account to send fraudulent money to people in my name!! I have proof of the identity theft happening. The individual told me he works for " XXXX XXXX '' a lender I had recently applied with and sent me paperwork regarding the loan I was approved for ( still have it ) and that he needs my chase account information to send the money to via wire or ACH payment. I agreed that's when the problems started. He delayed paying anything for 3 days then I called XXXX XXXX and they told me my loan was denied and they have never heard of this individual. Then when I called him about it he threatened me with going to jail and the FBI over text messages. I have all of this proof but chase is still holding me accountable. I don't know how many times I can tell them it's not me and I was outside the country and to look at the recent charges. They closed my account and I still had money in it! Like I said we didn't eat for 2 days because of this happening! No notification no message from chase and my number worked over WiFi calling for receiving calls and texts just fine!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Contacted Transunion several times to dispute many duplicate credit inquiries ( 12 total ) from XXXX XXXX XXXX XXXX, Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

Transunion is able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative.

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 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
This Debt was paid to the original creditor prior to it going bad, The original creditor is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I purchased a product from Mayfair online at the time covid 19 was at it high point XXXX  I bought a awning for my house, the ironing was {$350.00} I made contact with Wayfair to return the product, Wayfair at that time was not excepting any returns because of covid 19 and they told me to keep the product and they were going to give me a store credit as though it was returned, the awning also had insurance on it at the time... Comenity Bank took over Wayfair account and claimed I owed them for the awning, l sent them 4 certified compliants with documents from Wayfair showing the account was paid in full and the account was closed, they continue to change me and add late fees to the account and place a negative report to my credit report, please advise me to what I should do ... thank you

Company response to consumer: Closed with explanation