vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage company before XXXX sold my account to XXXX. I started having payment issues with Newrez on XX/XX/2023 thought my payments of XXXX were going through. I received confirmation numbers but they would send the payments back. I tried paying both online and on phone. I asked why I was having the issue they said it was my bank or lack of funds. I was more than sure that have enough funds to pay, i called my bank they said it wasnt on their end. I tried paying online, and called made double payments so i pretty sure I had till XXXX paid. I did not go through. I paid online again. My bank shows multiple payments. Im sure I paid more now but they have confusing system. Now I have a low credit score and also the person who is on the loan with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP
State: IN

Complaint narrative:
Complaint : Associated Bank has failed to pay a {$600.00} promotional bonus within 120 days to me for opening a new checking account. 
XXXX XXXX XXXX XXXX Details : Account was opened in person by banker XXXX XXXX at XXXX XXXX XXXX branch on XX/XX/23 XXXX 
I have emailed her several times since XX/XX/XXXX requesting her help to solve the delay/ no-pay problem and she has had no success and is unable or unwilling to give me names/ contacts within the bank who have authority to escalate and render a solution.She says the matter is fixed, yet I wait, the bank remains silent, and does not pay the {$600.00} bonus. I sense the bank is simply stonewalling. I have fulfilled the terms of the promotion to qualify for the {$600.00} level bonus and desire the bank to take action and complete their legal obligation to pay the bonus in a timely manner without further delay. 
This is a reasonable request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention an issue regarding the completeness of the information on my consumer report. 
After reviewing my credit report, I noticed that in reference to my account : - XXXX XXXX XXXX XXXX my credit limit is being omitted, which is a direct violation of federal law under 15 USC 1611 .

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

According to 15 USC 2069, each day that this omission of my credit limit was furnished to my consumer report shall constitute a separate offense, constituting a separate fine ( of {$5000.00} according to 15 U.S. Code 1611 ) for each day.

15 U.S. Code 2069- Civil penalties ( a ) Amount of penalty ( 1 ) Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. A violation of section 2068 ( a ) ( 3 ) of this title shall constitute a separate violation with respect to each failure or refusal to allow or perform an act required thereby ; and, if such violation is a continuing one, each day of such violation shall constitute a separate offense, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. 

It is crucial to have accurate and complete information on my credit report, and the omission of my credit limit hinders a comprehensive understanding of my creditworthiness. As per the Fair Credit Reporting Act ( FCRA ), furnishing companies are required to provide complete and accurate information to credit reporting agencies.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention an issue regarding the completeness of the information on my consumer report. 
After reviewing my credit report, I noticed that in reference to my account : - XXXX XXXX XXXX XXXXXXXX my credit limit is being omitted, which is a direct violation of federal law under 15 USC 1611 .

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

According to 15 USC 2069, each day that this omission of my credit limit was furnished to my consumer report shall constitute a separate offense, constituting a separate fine ( of {$5000.00} according to 15 U.S. Code 1611 ) for each day.

15 U.S. Code 2069- Civil penalties ( a ) Amount of penalty ( 1 ) Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. A violation of section 2068 ( a ) ( 3 ) of this title shall constitute a separate violation with respect to each failure or refusal to allow or perform an act required thereby ; and, if such violation is a continuing one, each day of such violation shall constitute a separate offense, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations.

It is crucial to have accurate and complete information on my credit report, and the omission of my credit limit hinders a comprehensive understanding of my creditworthiness. As per the Fair Credit Reporting Act ( FCRA ), furnishing companies are required to provide complete and accurate information to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to bring to your attention an issue regarding the completeness of the information on my consumer report. 
After reviewing my credit report, I noticed that in reference to my account : - XXXX XXXX XXXX XXXXXXXX my credit limit is being omitted, which is a direct violation of federal law under 15 USC 1611 .

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

According to 15 USC 2069, each day that this omission of my credit limit was furnished to my consumer report shall constitute a separate offense, constituting a separate fine ( of {$5000.00} according to 15 U.S. Code 1611 ) for each day.

15 U.S. Code 2069- Civil penalties ( a ) Amount of penalty ( 1 ) Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. A violation of section 2068 ( a ) ( 3 ) of this title shall constitute a separate violation with respect to each failure or refusal to allow or perform an act required thereby ; and, if such violation is a continuing one, each day of such violation shall constitute a separate offense, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations.

It is crucial to have accurate and complete information on my credit report, and the omission of my credit limit hinders a comprehensive understanding of my creditworthiness. As per the Fair Credit Reporting Act ( FCRA ), furnishing companies are required to provide complete and accurate information to credit reporting agencies.

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 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I attempted to make several purchases with a specific merchant using my XXXX XXXX debit card from MoneyLion checking account. The charges were all declined on the merchants end at the time they were attempted. MoneyLion was declined the attempts while also debiting my account. The XXXX attempted charges were all pending on my account. I called MoneyLion and explained the situation and they assured me the charges would not process and would fall off within 24 hours. I asked them to flag the transactions and notify me immediately if they processed and cleared. 
I didnt receive a notification after the conversation and figured the charges fell back to my checking account. Upon looking at my monthly statement I realized that all of the charges did indeed process and the funds totaling {$960.00} debited from my account. 
I disputed each transaction on XX/XX/XXXX. It has been over 10 business days and they have not responded to any of my multiple inquires about an update. MoneyLion declined to process my transactions but debited my account anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
A technician approached our home at XXXX XXXX XXXX XXXX XXXX XXXX. 

He introduced himself to XXXX XXXX at the time who was my significant other. He sold the alarm system to XXXX, upon arriving home from work, it was stated I would just need to confirm on video that I was accepting to the terms and agreement, at which time I asked what they were. 

The representative said, oh, this is for the equipment for the cameras installment loan they do a credit check nothing appears on your credit at all. 

Within 3 days of the installation of the cameras we cancelled.- I would need to verify this date for you.

They came back out with technician changed a camera in our systemn ( front living room door area ) wanted us to try it and following that they gave us 30 cancel guarantee Prior to 30 days we cancelled the service and were told we could not. 

Then a technician came to our home and stated our area was not serviceable. 

On XX/XX/XXXX @ XXXX XXXX-placed a call to their customer service and no one responded or called back after leaving a message XX/XX/XXXX XXXX XXXXXXXX XXXX closed and the call hung up on me Called their corporate location XXXX number listed and spoke to XXXX whom said their was no manager who could help me and then I asked for a number to their corporate office that handles complaints and he said there was none XX/XX/XXXX XXXX called requesting payment of {$250.00}. I told the rep I do bot even have the service therefore I am not paying for it and what would this take to resolve this as they are negatively affecting my credit. 

I was told it would take {$1700.00} to buy out the equipment which is the remaining of the buyout fees at 50 % The account for Fortiva is a fraudulent company. Originally it was AN INSTALLMENT LOAN AND to be a soft credit check and now they have reported this to my credit as a charge card maxed out in full. Now its a charge off. This is a significant issue and violates the Federal Credit consumer laws. 

They have falsely misrepresented themselves and I have never received their services nor utilized them. Numerous attempts have been made to the company no one will call you back, in addition made an online complaint and was not contacted back. 

Tried to get management and upper management involved, would not provide me any of that information. 

Please note read the complaints on the web- company has been sued for fraud! 

The credit companies will not assist me and this needs to be removed immediately or I am getting a lawyer. 

PLEASE ASSIST

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
Mohela is skewing my PSLF payment counts unfairly. They told me payments were due in XXXX and XXXX, I MADE those payments ( XXXX was made on XX/XX/23 for {$550.00} due on like XX/XX/XXXX or XXXX and XXXX was made in the amount of {$480.00} ) and despite Mohela 's website saying these payments were due, they are not counting them towards my PSLF count and saying both payments were ineligible for PSLF due to " being in deferment or forbearance '' -- -my account was NOT in deferment or forbearance as the website showed the payments were due! No payments would have been due if I had actually be in deferment or forbearance... but the website showed the payments were due and what amounts were due and I made both payments by the due dates that the website initiated. They are lying about my account being in forbearance or deferment because if I had been, no payments would have been due but they WERE due and I paid them and I want the payments to be counted towards my PSLF count. They are trying to scam me out of eventual PSLF by not counting payments they said were due and lying about my account being in a deferment when it wasn't! Every single payment I make should count towards PSLF!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: DC

Complaint narrative:
Every month I make my payment on time. At one point I had paid ahead of time and Carmax stated that I had missed an XXXX payment and I had not missed this payment. The statement for that month reads as if no payment was made. This error really caused confusion, but I still continued to make payments for the next month- XXXX. In XXXX, I was billed twice for a payment and it caused my bank account to be overdrawn and I owed a balance of {$29.00} and Carmax has yet to return those funds to me. I called on the XXXX of XXXX and made another payment of {$500.00} for a total of {$1000.00} for my XXXX payment and the bulk of my payment went towards finance charges again. My normal monthly payment is {$870.00}, but I sometimes pay a bit more to try to lower my principal balance. Carmax has a policy were you are supposed to make your normal monthly payment, but for any extra payments made, you have to call the next business day and ask for the extra payment to be placed towards the principal balance. This never happens because an excuse is made by a representative as to what you did wrong. Furthermore, I dont think a customer should have to do this each time. My primary issue is that Carmax is not dividing my payments equally towards my principal balance and my finance charge that accrues daily. When I signed my loan, I didnt know that there was no set finance charge for my loan. I feel like this was done so that it will take the customer longer to pay off the loan. I have had my vehicle for a year and paid every month on time and made extra payments and I have only paid off about {$5000.00} on a XXXX loan. I am being charged almost double for the vehicle I purchased. I also cant refinance the vehicle with my bank or anyone other company because of the type of loan I have. The vehicle is also less than what I paid for it. When Im done paying for the vehicle in 2027, I will have paid about {$52000.00} and the vehicle is only worth at this time {$15000.00}. I feel like I was ripped off by Carmax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
I am writing to bring to your attention an issue regarding the completeness of the information on my consumer report. 
After reviewing my credit report, I noticed that in reference to my account : - XXXX XXXX XXXX XXXXXXXX my credit limit is being omitted, which is a direct violation of federal law under 15 USC 1611 .

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

According to 15 USC 2069, each day that this omission of my credit limit was furnished to my consumer report shall constitute a separate offense, constituting a separate fine ( of {$5000.00} according to 15 U.S. Code 1611 ) for each day. 

15 U.S. Code 2069- Civil penalties ( a ) Amount of penalty ( 1 ) Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. A violation of section 2068 ( a ) ( 3 ) of this title shall constitute a separate violation with respect to each failure or refusal to allow or perform an act required thereby ; and, if such violation is a continuing one, each day of such violation shall constitute a separate offense, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. 

It is crucial to have accurate and complete information on my credit report, and the omission of my credit limit hinders a comprehensive understanding of my creditworthiness. As per the Fair Credit Reporting Act ( FCRA ), furnishing companies are required to provide complete and accurate information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I alerted NFCU that when I went through the credit application process ( Which according to their disclosure that they sent me which states that electronic messages are considered " writing '' ) that I gave them a security and a tendered payment with instructions of how I wanted them to proceed with my application. I also included a POA document as well as informing NFCU CFO that I wished for my bill to be administered for set off each and every billing cycle. I was denied. 

According to Section 16 of the federal reserve act specifically where it addresses an application for notes, that in any application for notes what is applied for should be exactly what is received. I also became informed that the agent ( the CFO ) is compensated when my application and tender of payment they deposit it to the treasury. 

I do not understand how if I have trusted NFCU with my security ( my SSN ) how i do not receive a benefit when they have been compensated during the process and how I can possibly be being denied for a credit card To my current knowledge I believe this is a breach of fiduciary responsibility, as I trusted NFCU with my private information ( my SSN & tendered instructions ) but I was still denied I also altered NFCU that I was the Agent acting on behalf of the principal for which they did not respect the capacity for which I was acting ; My opportunity to act within good faith was never respected by NFCU, however they continued to say I was not worthy of credit, This to me is evidence of discrimination prohibited by the Equal credit opportunity act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/ I discovered that I am victim of various financial fraud. All of my personal bank accounts were compromised. I contacted Chase back as soon as I could positively identify which transactions were fraudulently induced. They issued me a temporary credit on XX/XX/XXXX which was later removed from my account on XX/XX/XXXX. There were other bank transactions that was fraudulently induced as well that Chase bank decided not to return to me ( please see attached ).

Company response to consumer: Closed with explanation