vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I made a deposit with a money order XX/XX/21 into my checking account. I was told that the funds would be available for me to use within one or two business days. I waited XXXX days to use my card with that account and Lord be holds my purchase was declined XX/XX/21. I went inside the bank on XX/XX/21 to sit with a teller to ask questions. I was told that some code, that I am still not sure why was placed on that deposit and I had to now wait XXXX days and that it will be placed on hold before funds are released. I asked the teller to see if there was a reason to this and what I had to do if there was anything required for me to do. What I received was still no one being able to provide to me the reason to why other than to wait XXXX days or who I can communicate with via email or phone. I also informed the teller that I been having issue with my online portal password locking me out when I normally do not use or access the account using any app or online login. I normally go into the bank personally to do business. I also notified them that my pin to my atm card was not allowing me to use the card to run transactions. I went back into the bank talked to a teller in the office and I had the worst customer service experience that no one should have to every endure. I waited contacted the customer service department XXXX phone number spoke with someone who asked me to speak with a different banker to see if they could be of any assistance. Which I did as instructed. I waited for the customer service lady to assist me while I was waiting in the common area to prepare to fill out a withdrawal sip while holding a child in my arm. I was then approached by a police officer. I didn't even have enough time between all of this to properly complete all of my transaction I wanted to do for that day. I was told to leave even though I had other funds to deposit into that account. 

I still do not understand what the issue is all of this has happened I had to go to another banking company and make another deposit using a different money order in the same amount and I didn't have any issue with that bank at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I requested a credit limit increase with many federal and it was denied due to high balances. Decision was made after reviewing my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I submit this complaint to you in hopes that you are able to help me resolve the issue that I am having with JPMCB Card Services. The data that has been furnished to each consumer reporting agency fails to meet the Fair Credit Reporting Act and Fair Debt Collection Practices Act guidelines to ensure that data furnishers provide information with maximum possible accuracy, and only data that is accurate and complete. 

There have been multiple errors identified in the information that has been furnished to the consumer reporting agencies that include ( but not limited to ) missing information, inconsistent data, and an infringement upon my consumer rights to privacy. I have written to them identifying a significant number of infractions as it relates to their reporting practices. 

Additionally, I have also written to the company on numerous occasions in reference to the missing 1099-C form that is due as result of their decision to charge-off the credit card balance I once held with their organization. As I comprehend the law, it is the responsibility of federal or government agencies or applicable financial entities who discharge ( cancels or forgives ) debts owed of {$600.00} or greater require that the creditor and the debtor submit a 1099-C, Cancelation of Debt form. However, I received notice from their attorney stating My client has not issued a 1099C for this account and is not obligated to do so at this time. I am disagreement with this response as the IRS does state the entity that charges off a debt does not have to file the 1099-C form right away ; however, they are required to supply the form to the debtor. 

This is very concerning because it is my comprehension that the accounts change in status from debt to charge-off status converted the account from a debt account to an income account ; yet, Chase continues to report this account as a debt account to the consumer reporting agencies. This misleading and inaccurate information being furnished is injurious to my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I purchased my home in XX/XX/XXXX. XXXX Mortgage purchased my loan in XX/XX/XXXX. I contacted PHH immediately to advise that my ESCROW account was incorrect. The prior mortgage company sent PHH a check for my escrow. After several calls to PHH, I was notified in XX/XX/XXXX that after their analysis I had a surplus of a little more than {$2300.00} and they were issuing me a refund check. The notification also indicated my new payment to include the escrow. Fast forward to XX/XX/XXXX, I received my tax statement and notified PHH that there wasnt enough money in my escrow to cover the taxes and requested they research what happened when they acquired my load. I was informed that PHH would ensure my taxes were paid. However, I still needed to understand what happened that my escrow was off over {$4500.00}. On XX/XX/XXXX, I checked my account and discovered a notice uploaded to my documents stating that my taxes had been paid and that my escrow account is short {$4400.00} of which I am responsible for paying back over the next 36 months. My new payment amount will increase {$460.00} due to PHHs error. On XX/XX/XXXX, I finally received the documents I had been requested to determine where the error occurred. The tax certificate PHH received clearly shows that my taxes should have been for {$6500.00} and not the {$2800.00} they projected for my escrow. I have called the escalation team multiple times and spoken to agents that a rude, try to speak over me and only tell me information I already know. When I asked to speak with a supervisor, I was advised that someone would call me back in two business days. Once, again I am asked to wait for a call, when no one has been able to assist me in weeks. No one attempted to contact me to discuss or explain what happened and what options I had to resolve this issue. I need help trying to resolve this issue as I now have an increased mortgage payment of almost {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: KY

Complaint narrative:
I found out that Experian, XXXX and XXXX were all reporting 5 late payments from XXXX XXXX XXXX XXXX. 
I notified XXXX XXXX XXXX XXXX and spoke with XXXX. 
XXXX notified all three reporting agencies that there were NO late payments and the information they were reporting was INCORRECT. 
She notified them three different times. Finally in Mid XXXX the late payments were removed by Experian and XXXX at least from what I could see on line. 
Today the 5 late payments are back on my report. I have written to all three reporting agencies at least three different times with NO RESPONSE. 
1. All three have been notified by XXXX XXXX XXXX XXXX that they are reporting inaccurate information. 
2. All three have been notified by me three times in writing that they are reporting inaccurate information 3. This has gone on for well over 30 days with absolutely NO response by any of the credit reporting agencies. 
Really need your help

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 2021-12-20 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: PA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

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 2021-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My credit limit decreased from {$750.00} to {$100.00} over a years span during the pandemic even after making payments each month. XXXX of 2021 my account was closed due to inactivity despite having a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: MA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: CA

Complaint narrative:
I have requested my FULL report from NexisLexis as they have and continue to give out false, fake misleading information and for now 5 months have refused to provide me a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I used Venmo and they froze my account. Currently I have {$1000.00} in my account and I have no access to it nor can I buy my kids XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of XXXX and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
My direct deposit from my employer is lost/ stolen. I was expected to be paid by my employer on XX/XX/2021. 
I never received my direct deposit. 
I reached out to my employer and the pay roll manger, and they have provided documentation, and confirmed that my funds have been initiated. After speaking to many different chime employees and even the supervisor, they have all stated that funds were never initiated by my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: KY

Complaint narrative:
I found out that XXXX, Transunion and XXXX were all reporting 5 late payments from XXXX XXXX XXXX XXXX. 
I notified XXXX XXXX XXXX XXXX and spoke with XXXX. 
XXXX notified all three reporting agencies that there were NO late payments and the information they were reporting was INCORRECT. 
XXXX  notified them three different times. Finally in Mid XXXX the late payments were removed by XXXX and Transunion at least from what I could see on line. 
Today the 5 late payments are back on my report. I have written to all three reporting agencies at least three different times with NO RESPONSE. 
1. All three have been notified by XXXX XXXX XXXX XXXX that they are reporting inaccurate information. 
2. All three have been notified by me three times in writing that they are reporting inaccurate information 3. This has gone on for well over 30 days with absolutely NO response by any of the credit reporting agencies. 
Really need your help

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 2021-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Hello, My credit crad limit was decreased. It hurt my credit tremendously. I went into the store one day to use it and my limit was lowered.

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 2021-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Western Funding on XX/XX/21. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Western Funding took cash. The finance charge is supposed to include insurance, Western Funding had me purchase my own separately.

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 2021-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
traded-in/sold the vehicle in XXXX before the loan had been fully paid. During the transfer period to the dealership, the monthly transaction did occur. The dealership that accepted the trade-in also paid the full amount after taking owner however, the dollar amount was calculated before the last monthly payment was made. This left an overpayment of 1 monthly payment worth - amounting to {$340.00}. 

I have contacted the Hyundai Motor Finance to retrieve this amount and they have repeatably told us that the refund is being processed and to wait up to 2 weeks. It has now been XXXX  months.

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 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX I received a call from " Chase fraud prevention '' about a wire template being set up on my business account. I use quotations because this was actually a scammer calling from a Chase phone number. They altered me to the wire and asked if I would like to cancel the wire. Assuming I am talking to chase I confirm my personal info but do not tell them my account info. The use this information to wire {$42000.00} out of my account. The phone call seemed odd so I immediately went into my local Chase branch to alert them of the situation. They inform me the wire has been set up and delivered. I tell them this is fraud right away and ask them to cancel the wire. They tell me it has been sent and will try and recall the wire. What follows next from Chase customer service is a nightmare. As of today it is XX/XX/21 and I do not have my funds back and Chase is basically telling me this is my fault and I don't know what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: CA

Complaint narrative:
On XX/XX/XXXX. XXXX XXXX received and processed my payment. They misapplied it to my XXXX statement. On XX/XX/XXXX they reported me 30 days late to the credit bureau. Not only was is not late, the account was put into bankruptcy in XXXX and should not be reporting to the credit bureaus, as all payments are voluntary. On XX/XX/XXXX they put the XXXX payment back to where it belonged, bringing the account current- but the damage had been done to my credit. 

I called XXXX in XXXX when I saw misapplied reversal on my statement- they told me it had been handled. Clearly it had not. XXXX is now telling me I should dispute this with the bureaus. They are clearly in the wrong. They have misreported my payments, reported an account in bankruptcy, and caused my cresit score to drop significantly.

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 2021-12-20 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: ND

Complaint narrative:
I have contacted Equifax multiple times due to them combining mine and my brothers credit scores. My brother has filed many online disputes ( as he is the only one that can have access to an online profile- I am not given access to an online profile as they stated they can not fine my credit score?? ), and I have sent them a dispute via FAX ( number I was given by their worker ) XX/XX/2021 XXXX XXXX attn : dispute. They have my DOB and SSN listed under my brothers profile and out credit cards, inquiries are all mixed up. This has caused us not to be able to get certain loans, cars, etc due to this. It has caused higher interest rates and XXXX XXXX I can not get to through to them no matter what and I need someone to assist me in this. 

Their Dispute number for live reps. does not work, it states something about being closed due to covid?? The online disputes come back stating that they reviewed SSN card, Drivers Licenses and all other documents but no updates are very made nor are the credit cards split up how they should be and two profiles made.

Company response to consumer: Closed with explanation