vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
This is a follow-up to a prior report on overdraft fees generated by Citizens Bank 's failure to credit my account with a {$3000.00} credit to an affiliated account. The bank was made aware in early XXXX of the issue of a vendor refunding me {$3000.00} to an account that had been charged off, and has been promises ever since to track down the money and issue me a check. I experienced three broken promises from the local branch to issue me a check and have it to me by the following week, all through XXXX and early XXXX. Their failure to send it -- once due to a " computer glitch, '' other times due to never having gotten around to it, caused me to generate over {$1000.00} in overdraft charges. 

Last Friday, I received a call from the office of the chairman with an attempt to rectify the problem with a refund of roughly 1/4 of the overdraft charges and a commitment to track down the status of my {$3000.00} and get me an update " within two business days. '' One week later, I have received no update, no check, and no returned calls after leaving two voicemails. Meanwhile, my funds are dwindling once again, and the situation feels specifically like the bank is continuing to intentionally slow-walk and withhold resolution to returning my money in order to cause me to generate further overdraft fees. This is theft, plain and simple. It does not take two months to track down and return a credit made to the wrong account. This is negligence at best and possibly criminal, and certainly predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: FactorTrust, Inc.
State: CA

Complaint narrative:
Factortrust occurred on XXXX XXXX and XXXX XXXX. I got two inquiries that needs to be removed immediately ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
My mortgage payments were showing up as not posted after I had paid them starting in XXXX, 2021. I called and inquired about it and was told everything was fixed and to continue making my payments in full on the XXXX of each month. I received correspondence in XXXX saying I was 2 months behind on payments. I again called the company and was told to disregard the letter because it was taking them longer to post things due to COVID. I saw my FICO score declining and missing payments stacking up to total 4 months of missing payments reported to the credit agencies even though I had proof of them coming out of my checking account. I spoke in person with the manager of Mountain America Credit Union XXXX XXXX Utah branch, XXXX XXXX, on XX/XX/2021 and was told he would contact the mortgage company they were working through and fix the problem. After considerable effort on my part, they agreed to correct the problem and provided me with a letter from Mountain America saying the reinstatement request had been mailed on XX/XX/2021. There was no evidence of who the letter was mailed to, or what it stated, and I was never given a copy of the request even though I asked for it multiple times. I have attempted to confirm with the 3 principal credit bureaus that they received the request and none of them can confirm. Consequently, my credit has been harmed to my financial detriment. I am currently trying to refinance my house and we are having a lot of difficulty with that and I am not able to get the discounted rates that would be available if my credit was not harmed like it is. I respectfully request that CFPB demand prompt action by Mountain America Credit Union so my credit score can be repaired and corrected before my new loan closes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I have contacted Chase about my XXXX XXXX XXXX starting once per month since XX/XX/2021. The most recent date of contact was the first week in XXXX. 

I paid for a XXXX vacation using my XXXX XXXX XXXX in XXXX XXXX. I have purchased at least 9 trips to XXXX using this method in the past because the promotion is to receive the first six months of the purchase at 0 % interest. 

When we got to the XXXX resort in XXXX of 2021, there was an issue with the booking and they had to rebook part of the trip at a different resort. This caused the original transaction to be partially refunded and then charged again in a subsequent transaction. I called Chase and was told that because it was a " resort '' vacation package purchase, that it would be fine and that it would all be at the 0 % interest for 6-months. 

That was a lie. 

In XXXX I was charged {$69.00} In XXXX I was charged {$57.00} In XXXX I was charged {$36.00} In XXXX I was charged {$16.00} And when I called this last time in XXXX, I was told by the Chase rep that this would all be credited back BEFORE the billing cycle in XXXX which was the XXXX. 

THAT DID NOT HAPPEN. 

I've had it. I've been a card holder for years and have NEVER had this experience. I also am a lender at a credit union and I know how terms and conditions work, as well as how long it should take to resolve a billing error. 

This is unacceptable. I want all the interest back IN ADDITION to the interest I'm sure you will put on my XXXX statement that I just have not seen yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Unauthorized use of Consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This account isn't mines and I did not authorize these inquires. I wish for them to be removed and blocked from my credit report immediately because they are hurting my character. I have worked hard to build my credit and I would like for the consumer reporting agencies to do their job and not furnish deceptive information to my credit reports. I am working on building a non-profit community for battered women and this is holding me back. Please help me, as a consumer, I'm begging someone to hold these companies accountable for violating my consumer rights with inaccurate information, abusing my privacy, allowing my character to be hurt without my consent.

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 2021-07-23 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: MN

Complaint narrative:
This account isn't mines and I did not authorize these inquires. I wish for them to be removed and blocked from my credit report immediately because they are hurting my character. I have worked hard to build my credit and I would like for the consumer reporting agencies to do their job and not furnish deceptive information to my credit reports. I am working on building a non-profit community for battered women and this is holding me back. Please help me, as a consumer, I'm begging someone to hold these companies accountable for violating my consumer rights with inaccurate information, abusing my privacy, allowing my character to be hurt without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
MetLife Home Loans XXXX, after soliciting my mother on numerous occasions, on XX/XX/XXXX, coaxed her into signing a fraudulent Closed End HECM loan, without any prior counseling or legal representation. The HECM loan was FHA insured and was written for $ XXXX. The loan paid off the $ XXXX balance of her mortgage, charged her over $ XXXX in closing costs and gave her a mere $ XXXX. 
My mother passed away in XXXX and I am the current title holder on her home. The HECM loan has ballooned to upwards of $ XXXX, an extremely unfair amount and I am seeking a fair resolution as soon as possible. 
My mother who was XXXX years old at that time, had over $ XXXX of equity in her home. She acquired the equity from making a large down payment when she purchased the home. She had a balance of approx. $ XXXX left to pay off her mortgage and her monthly mortgage premiums were very low at approx. {$800.00} per month. She was the widow of a XXXX XXXX XXXX XXXX veteran and was receiving Veterans Benefits and Social Security Retirement Benefits. She had ample health coverage through XXXX and XXXX XXXX. She did not need, nor did she seek out a reversed mortgage. She did not need to sign over her house for the mere $ XXXX they gave her. She had many other options that she did not know about and were not told to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
In summer of XXXX, I entered into an agreement with The US department of education for student loans. I'm guessing they assigned Nelnet to manage my student loans. It's been a nightmare ever since. Nelnet falsely reported late payments to the consumer reporting agencies of my student loan accounts that ended up dropping my scores from the low 700s to the mid 400s. Those late payments were false because on each of those days that they claim the account was late, I was in forbearance ( proof has been attached directly fro, the studentaid.gov website. ) These inaccuracies have taken a big toll on my life. They've ruined my reputation on my consumer reports which has led to me being denied credit on so many occasions. It's bad enough being an XXXX American male in this country and how difficult it is to be extended credit. Nelnet made it even worse for me! Theyve prevented me from getting credit cards, apartments, jobs and I can't even qualify for a car. This has forced me to move backwards in these rebuilding times. I've been declined 2 good paying jobs twice because they thought those inaccurate late payments reflected on my character as a person or mean Id come late every day. 

I've also had to live in very undesirable situations because my credit wasn't 'good enough ' for me to live in a better neighborhood. I disputed the late payments with the bureaus in JXX/XX/XXXX and they put them back within 10 days after they were removed per nelnet 's request without even contacting me and I didn't receive a single proof or reason why those inaccuracies were put back on my account. 

I've spoken to someone from nelnet but the the most recent was on the XX/XX/XXXX in the afternoon. I spoke with a woman named XXXX and explained to her how this company has ruined my life by reporting all those inaccuracies and she told there's nothing she can do. After suggesting to speak to someone above her multiple times, she told me she would dispute them for me that's the best she can do and that I'll receive the results in the mail. 

I asked her how long it'll take for me to see those results and she said it'd take 4-5 business days. This was a Friday so I expected a response by Monday XX/XX/XXXX at the latest. Til this day I haven't got a response from them. She also apologized to me for not getting a response for my initial dispute from XX/XX/XXXX because they never sent me any proof to back up these claims. I know by law I'm supposed to receive a validation letter within 30 days of a dispute but haven't received anything. I wonder what they sent these consumer reporting agencies for them to put them back on my profile without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Lendmark Financial Services
State: NC

Complaint narrative:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: MI

Complaint narrative:
I have contacted each of the credit bureaus multiple times regarding accounts that I don't recognize reporting on my credit and requested an actual investigation. Unfortunately, that never happened. I was told the items were verified but I conducted my own investigation and contacted the company directly and they did not verify anything with me. I even sent proof to the credit bureaus of my communications with the creditor and they never responded. Additionally, they responded to my first request well after the 30 days. My rights as a consumer have been violated by the bureaus in more than one instance and something needs to be done.

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 2021-07-23 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: MI

Complaint narrative:
I have contacted each of the credit bureaus multiple times regarding accounts that I don't recognize reporting on my credit and requested an actual investigation. Unfortunately, that never happened. I was told the items were verified but I conducted my own investigation and contacted the company directly and they did not verify anything with me. I even sent proof to the credit bureaus of my communications with the creditor and they never responded. Additionally, they responded to my first request well after the 30 days. My rights as a consumer have been violated by the bureaus in more than one instance and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX  has a {$380.00} account that just appeared as a delinquent account under my name. They reported the account as being established in XXXX. I opened no accounts due to poor credit score that year. I disputed this account as not mine. I had only 2 accounts delinquent that are mine but I have no knowledge of this account. They said delinquent since XXXX. My concern is if delinquent since XXXX, why did it just appear on my credit reports? I only had 2 accounts as delinquent and in collections. Also, why can accounts in collections be sold to different collection companies to keep them open for collections? They should have been seen as not collectable and removed from delinquent accounts. My ex husband moved out of the country and left these accounts for me to deal with. I tried to continue making the payments but am on fixed income ( retired ) could not keep up the payments since XXXX. Should have been seen as not collectable. Check the 3 credit bureaus and that account was not in my delinquent accounts till just recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: NC

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a letter today stated that I owed Bank of America some money on the unexisted account I have closed long time ago. They insisted to pay by mail back to XXXX XXXX XXXX, XXXX, DE XXXX or by phone number XXXX XXXX XXXX, or online at 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 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MIDLAND FUNDING has continued to harass me for weeks even after I have told them to stop contacting me. In accordance with 15 U.S. Code 1692c - Communication in connection with debt collection they are not supposed to contact me without my prior consent which I have not given them, they are currently in violation of this statute. They also continue to contact me at unusual time and places such as this week when I was attending a funeral. This is also still violating 15 usc 1692c. When they call me they instantly tell me that I owe them a debt which is not paid for, and communicated with me more than once after i requested that they not contact me anymore. This is a violation of 15 U.S. Code 1692b ( 2 ) which states that a debt collector may not state that such consumer owes any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOAN 1. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
We have paid overage payments during most of the loan 's history. However, the balance doesn't correctly represent the payments made. We have requested all overages to be applied to the principle. Yet, there has been no explanation as to why GM won't apply the overages to the principle. The loan contract is due to expire in XX/XX/2021. We are trying to understand why there are now 8 payments left. Each month an additional payment gets added to the loan. The car loan was a 0 % interest loan, " supposedly. '' With no interest applied, the whole payment made to the loan should go to the principle. There have been many credit reports that document an interest of approx. 2.9 %. All of our loan documents state there should be no interest applied. We have requested a full payment history, which has not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: NC

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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 2021-07-23 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: OneMain Finance Corporation
State: NC

Complaint narrative:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation