vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
transunion file # XXXX shows XXXX  as closed -it is open and current-show history-this was deleted incorrectly after investigation-i only requested an update in balance, XXXX and XXXX XXXX still show as closed -they are both open and current-show history, XXXX   unsecured is recently paid off, show history of a past open acct with history cfpb has stated this is a repeat but it is not, this has not been resolved pls correct this with transunion as they have been provided the fact from these creditors that these accts are open reaffirmed and have been in good standing, i would like this updated to show all 3 accts as open, show paying history and update scores, i would also like XXXX   credit card to be reinstated on transunions report with the excellent history that i have with them, i have tried to resolve this for almost a year and feel that filing a lawsuit will XXXX  the best results if this complaint does not resolve the matter, this is damaging to credit which i have worked hard to repair

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I purchased a car from XXXX XXXX XXXX I back in XX/XX/2011 and it was financed with GM Financial. I am XXXX XXXX  military and during the course of the loan i have XXXX 5 times and have been able to get no real assistance with GM. I was told i have military benefits applied to my account and i do not believe that to be true. During the outage i have not received any statements nor was i able to speak to customer service. The phones would ring busy or agents would answer to state the systems were down. Finally after my wife reached a rep in XX/XX/XXXX i was told no information would be reported for the months the system was down because customers were unable to make payments. I will soon be in the process to purchase a home and now after not reporting for 6 months GM Financial places 6 months of negative history on my credit reports. Phone reps said they didnt know when they would round and when my wife chatted with only they said they would make a request to update for XX/XX/XXXX. This has been a stressful process and could potential affect my military clearance and my home buying process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX/XXXX XXXX/XXXX XXXX, yes all three have been harassing me over an erroneous account that I have never once even seen a bill for or received anything showing me that this account is mine. I told XXXX XXXX a few months ago to leave me alone after substantial harassment and lack of any evidence of a {$640.00} debt. CFPB you actually investigated this and found my statement to be true and had the credit bureaus remove the account t from my credit report. I was told I would be left alone. Next thing I know a couple months later and this account was sold to XXXX XXXX and now I am being harassed again. I yet again have not ever once received a bill, a statement, or anything from anyone showing this is my account. I am not repsonsible for this {$640.00} debt that keeps popping up In my credit report and causing me me undue XXXX  and XXXX. This is not mine!! No one has ever provided evidence this is a real account even so how is that legal? CFPB, this is not right you lied to me and told me this was taken care of with XXXX  and now your doing nothing about this debt being resold and readded. There is no difference in this debt and it not being mine from when it was removed when it was owned by XXXX to it being owned by XXXX now. It should be removed just like it was before and I should be left alone. This is a major violation to my FCRA rights!

I seen today that CFPB is under some hot water for leaks within the agency and now I believe it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Approved for Chase XXXX Credit Card. At the time of application promotional materials said they gave a free night after every cardmember anniversary to any XXXX  property. Recently I recieved a letter form chase that effective XX/XX/XXXX that free night is limited to XXXX XXXX with point redemption values of <=40k. My card was opened in Late XX/XX/XXXX, which means that my anniversary will not be until late XX/XX/XXXX. that means that I will not qualify for an unrestricted free night, only for the 'limited free night '. This sudden change is unfair, and its rapid change makes their advertising deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a USPS money order last month into my Bank of America account and it was held for 9 days. It cleared eventually but I was charged service charges on items that automatically come out of my account based on this same check clearing every month in a timely manner. There was no reason to hold this money order when I told rep to check the past and see that I make this deposit every month. Nothing was done. I have been a customer of BOA for over 20 years. As a courtesy they should have released the deposit. 

bOA rep told me that the payer had put a hold on the check, this statement was not true. I have deposited the same check for over 3 years into my BOA acct, with no holds. 

I deposited another check yesterday I received, from a large MAJOR legitimate insurance company and BOA is holding this check, unnecessarily. I feel that this is obviously an unfair subjective practice based on race.

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 2018-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In the process of closing on my new home the mortgage broker, XXXX XXXX XXXX, I was using email was hacked on XX/XX/XXXX. I received and an email advising me to wire my closing funds ( {$4900.00} ) to a JP Morgan Chase Bank Account : Account name : XXXX XXXX XXXX.

Routing number : XXXX   Account number : XXXX I walked into my bank XXXX XXXX XXXX XXXX to process the wire request- Wire confirmation number : XXXX XXXX XXXX XXXX OnXX/XX/XXXX I received another email requesting closing funds because the " wire was rejected. '' At that point red flags went off and I contacted my real estate agent who in turn called the mortgage broker and we determined at that time his email was hacked.

I went directly to JP Morgan Chase branch located on XXXX XXXX XXXX. The personal banker advised she could not access the account because the account was frozen. She called in to the customer service/fraud department and they advised the account was frozen for review and no information could be provided to me since it was not my account and I was not a client of theirs ( I expressed that I was a credit card holder with the bank but that did not matter ). I was instructed to get in contact with my bank to request a wire recall.

I then went to XXXX XXXX XXXX XXXX   and processed the wire recall on XX/XX/XXXX inside of the branch. Since then I have heard nothing unless I call in to check the status. I have called XXXX XXXX XXXX XXXX who states they have sent over multiple wire recalls and have only received one response stating the account is being reviewed. XXXX XXXX is telling me to contact Chase to see if I can get it resolved faster because there is nothing they can do until Chase responds. I call Chase and no one will help me because I am not a client/ account holder and advises me to contact XXXX XXXX XXXX XXXX .

Monday was my last and final time calling XXXX XXXX XXXX XXXX after this cycle of calls, back and forth, and ultimately being told this could take 6-12 months to be resolved. I previously worked in the fraud department with a local bank and this time frame is unacceptable.

I am prepared to escalate this to the attorney general and above if this is not resolved. Fraud is never fun for any of the parties or institutions involved but I am not receiving any resolution. Being told to call back in a week or 2, to wait 6-12 months, requesting multiple wire recalls is ridiculous. I am prepared to end all banking relationships with both institutions.

This complaint is for XXXX XXXX XXXX, JP Morgan Chase and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: NAVY FEDERAL CREDIT UNION
State: SD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, 271 transactions went through on my credit card totaling {$12000.00} from XXXX XXXX and I was not notified by the Navy Federal Credit Union fraud alert system for suspicious activity.

I contacted the bank for a refund of all of the charges and a reason why this was not detected by their fraud alert system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was told by a representive of XXXX XXXX that my account would be changed to Current never late but it has not been changed on ny credit reports. I need this to be changed I was late do to Hurricans daughter was hurt in Hurrican Harvey had to go to Texas then our house was hit by Hurrican Irma causing damage

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 2018-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX called and informed us that they would Repossess the XXXX XXXX XXXX which was totaled onXX/XX/XXXX by USAA per their Total Loss Letter.

Informed that they would report the matter to the Credit Agencies which would be a negative statement on the credit report for 7 years. They informed me I would owe the remaining balance after they auction the Vehicle.

I consider think the way USAA Insurance handled this matter from the start on XX/XX/XXXX until XX/XX/XXXX has not been in the best interest of the Customer. USAA Insurance is telling me they had no responsibility to follow their Total Loss Letter because the Repair Shop XXXX XXXX XXXX XXXX would not release the Totaled XXXX XXXX XXXX even after the Customer informed the Shop that the Vehicle was totaled on XX/XX/XXXX in Person at the Shop. I never signed the Repair Order until XX/XX/XXXX and the USAA Insurance Adjuster sent a check to the Shop for $ XXXX on XX/XX/XXXX which I did not approve or agree with. I asked for the Vehicle to be moved and inspected by another Repair Shop but USAA Insurance did not grant my request. Instead USAA Insurance and the Repair Shop kept fixing the Vehicle and after the Customer received two Total Loss Letters from USAA dated XX/XX/XXXXand XX/XX/XXXX.

I was informed by the Bank Officer XXXX XXXX  on XX/XX/XXXX that the Vehicle loan would be payoff due to the total loss which did not happen. USAA asked me to send in and sign the POA for the Title. The Title was signed and sent to USAA so why was the Loan not paid off and now sending us letters for collection and Repro Man knocking on our Door early Saturday morning XX/XX/XXXX looking for the XXXX XXXX XXXX which was still at the Repair Shop.

I've communicated with both XXXX XXXX and XXXX XXXX XXXX XXXX from the start of this matter and requested they coordinate with each other several times to solve this matter and fulfill their responsibility regarding the Total Loss Letters.

XXXX XXXX  Paid XXXX   on a Vehicle estimated value {$23000.00} way over the 80 % threshold required by Florida State Law. The Vehicle is 100 % totaled in my view and is backed up by the Inspection Reports and 4 additional supplements!

USAA denied me the Car Replacement feature which provides for an additional payment when there's a Total Loss. Also denied me the GAP coverage I purchased for the Loan on the Vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I applied for a loan through loan Depot on XX/XX/XXXX. I went ahead and did their paperwork and was accepted to do a loan.

After doing all the necessary application, an appraisal was scheduled for XX/XX/XXXX. OnXX/XX/XXXX they emailed me the appraisal which I contested and sent them an appraisal I had done in XX/XX/XXXX that was {$250000.00} more than the appraisal that they got from the company they used. I asked for them to compare the appraisals and see what the problem was because you don't miss something that dramatically. We continued through the loan process I got a survey done at my expense and they sent me a alone estimate on XX/XX/XXXX and everything was fine until a phone call that I received on XX/XX/XXXX stating that they were going to charge me two points for the difference in the appraisal cuz it changed the percentage of loan to debt. I asked him why would they wait so late in the game to tell me that everything was changing instead of doing it back when they got the appraisal. I asked why they waited 3 weeks to inform me that in in the week that were too close that I was going to be charged two points because of their appraiser.. that seemed unfair and a little obvious on their point to wait until the end and I would have to pay them instead of doing the work necessary 3 weeks before to get the problem resolved. I pleaded and ask the guy to get with his supervisor or whoever that was overseeing the loan. He told me that his manager was firm and she was not going to budge an inch which I felt was very unfair to me. The lock rate Runs Out XX/XX/XXXX and so I am basically screwed because of their dropping the ball and that doesn't seem right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was told by a representive of XXXX XXXX that my account would be changed to Current never late but it has not been changed on ny credit reports. I need this to be changed I was late do to Hurricans daughter was hurt in Hurrican Harvey had to go to Texas then our house was hit by Hurrican Irma causing damage

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was told by a representive of XXXX XXXX that my account would be changed to Current never late but it has not been changed on ny credit reports. I need this to be changed I was late do to Hurricans daughter was hurt in Hurrican Harvey had to go to Texas then our house was hit by Hurrican Irma causing damage

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 2018-04-19 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, I had my credit pulled when applying for a Mortgage with my Employer. Upon doing so, I find your Company is reporting on my CBR with regard to my sale of my home, the account number # XXXX. I am disputing the credit reporting and your company agreed to not reporting this back in XX/XX/XXXX. Please correct these errors as soon as possible. I appreciate your attention with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this account was Paid satisfactorily in full and was and it's not been reporting to my TRANSUNION credit report has of yet XXXX XXXX XXXX Account Number XXXX  Account Type Installment Loan Terms 18 Months Date Opened XX/XX/XXXXAccount Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX  ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$3300.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/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 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP
State: AL

Complaint narrative:
I received an initial demand letter from the XXXX based law firm, Aldridge Pite Haan on XX/XX/XXXX. Within the demand letter it is stated, " At this time no attorney at this firm has personally reviewed the circumstances of your account. '' and was signed by the " Collections Department '' for this firm. 

This morning on XX/XX/XXXX, I was served with a Summons to file an answer in regards to this debt. I believe this to be completely misleading as the demand letter states that no attorney had reviewed the circumstances of the account yet suit was filed. I have no indication that my account did in fact have meaningful attorney involvement after the initial demand letter from their " Collections Department '' was sent. It is my understanding a collections department or collections manager for a firm can not file suit on you, only an Attorney can. I received no communication from an attorney after review of my account, if in fact a review was conducted at all before suit was filed. 

Given the recent investigation from the CFPB in regards to the Ohio law firm XXXX, XXXX XXXX XXXX where there are claims of falsely represented in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. I am only lead to believe that this falls in the category of not just letters being mail but lawsuits being filed.

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 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed multiple inaccuracies with experian that they have claimed are verified. Experian has failed to reply to my requests to obtain their method of verification on multiple occasions and instead started reinvestigations. When requesting how the inaccurate acounts were verified I was told experian will not divulge the names of their vendors as this is proprietary information. After multiple disputes to resolve the issues experian sent notice they will no longer dispute my accounts without any new documentations. Experian " verified '' accounts in a dispute filed on XX/XX/XXXX and again with new documents submitted on XX/XX/XXXX. Included in these disputes was a collection account that I had no recollection of and was not able to be verified and has since been deleted along with an account labeled, XXXX XXXX that was previously deleted and then resubmitted without any notification. I filed a complaint with the XXXX  onXX/XX/XXXX and a 2nd notice was sent by the XXXX on XX/XX/XXXX and Experian responded that the data furnishers were contacted and verified the accounts. Experian relayed that I must contact the original credit furnisher to further dispute anything. I have contacted the city court associated with the public record as well as the creditors who agree it can not be verified and should be deleted. I called the telephone number ( XXXX ) XXXX   attached to the chapterXXXX  I'm disputing to verify or dispute as suggested numerous times with no answer. It appears to be a cell phone. Experian says in the XXXX  response the court may not report the data but a vendor collector gets records on their behalf. They will not provide the names of their data collectors. On experian 's website for public records they claim their source is the administrative office of the courts and more than 1,200 state and county sources. I'm at a loss of my next action as experian now refuses to reinvestigate. Without this information which is required under FCRA 611 ( a ) ( 6 ) ( iii ) and FCRA BILL ( a ) ( 7 ) which requires they respond with a valid method in 15 days from request.

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