vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I contacted the bank on XX/XX/XXXX about escrow shortage. I wanted to pay the shortage in full. I was quoted an amount. I paid said amount. I was quoted a new payment and a start date. I logged back on XX/XX/XXXX to verify. I was informed that I was quoted the wrong amount of shortage and that I owed more. I paid that shortage and was assured new payment would be processed. I asked for management to reach out to me. They did through secure message, not a phone call. I got a message stating everything was cleared up. Shortage was paid in full and new payment was recorded. Received phone call on XX/XX/XXXX saying Im behind on payment. Customer service on phone was rude! I asked for manager. I was transferred. I was told they could not see any messages and that I must make prompt payment on phone to avoid collections. The payment they wanted was for shortage to escrow. I denied to pay because of proof I have in chats. Customer service manager stated there was nothing she could see or do. This sounds like a fraud claim to get more money into an escrow account that they can use and sit on interest free. I have screenshots of messages to prove conversations had. There is fraud practices going on inside bank institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have had a freeze with Experian since XX/XX/2023 and all of a sudden today my credit score dropped XXXX. I have not opened a new account since 2023, finished any kind of application to apply for a mortgage or done anything to deserve a drop this severe. This is the " answer '' on Experian 's website to what is hurting my credit score : Lack of recent non-mortgage loan information HURTING You have a lack of recent activity from a non-mortgage installment loan. 
Your credit report shows a {$0.00} balance on your non-mortgage loans ( such as auto or student loans ) or a lack of sufficient recent information about your loans. Having a non-mortgage installment loan with no missed payments and a low balance along with other types of credit demonstrates that a person is able to manage a variety of credit types. Having a 0 % installment loan balance to loan amount ratio is considered slightly more risky than having a low installment loan ratio. 

It does not list any hard inquiries or other accounts being open, and if so how did they get past my freeze?

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 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I continue to have issues with my primary checking account at USAA. I deposit and withdraw/ pay bills via this account. USAA does not have many brick and mortar facilities at all and NONE in XXXX/ XXXX XXXX. They have chosen to save money by utilizing the mobile deposit feature. They allow you to access funds immediately if you have built up a certain credibility with their firm. I have. I have been a member for 12 years. I deposit and withdraw a great deal of funds and on a frequent basis. I own a small business which utilizes credit cards in my name. I pay them off on a monthly basis, but I get reimbursed by my firm. I deposit a check and then pay them off frequently. 

A few months back, USAA mysteriously removed my access to my account. I was livid. I couldn't see or do anything with my funds. They didn't give me a reason after talking to a couple of people. I told them that I frequently deposit $ XXXX ( which is their limit ) checks from my company. This might have raised a red flag. They never confirmed anything, but after 3 days I was able to access my account. 

Now, last Friday, XX/XX/XXXX and two Fridays prior on XX/XX/XXXX, I deposited $ XXXX each. Both times a large portion of my funds were restricted for a week. I called in furious because this has not happened to me before. They stated that it was because of insufficient funds. Well, I received that notice 4 months prior ( and after depositing many other large checks in the interim ). The only reason I got that notice was because I deposited a check and then paid a bill and the timing on USAA 's part caused the NSF. Crazy! I can not believe the US still takes several days to settle funds. That is archaic. 

Anyways, the first time i called in the rep was able to get my funds released. Today, I got the run around. First, they said it was impossible. I told them that the prior rep was able to do this. I was not happy. They finally conceded that the rep shouldn't have done that and they continued to refuse my funds. I worked with XXXX and a lady that has a name that starts with a 'Z '. 

This seems to be arbitrary and discriminatory. As a minority who has done well for himself, but had to go through a lot of discrimination, this reeks of 'we like him/her and don't like him/her '. This is redlining at its worst.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I wrote to Bank of America in XXXX and XX/XX/XXXX  in regards to an accoun that they show as a " Charge-off. '' ( See attached letters ) I asked them to provide me with information of the alleged outstanding amount along with charge and payment history on this account. In return, they sent my a " One Paragraph '' letter with no identifying information as to determine if this outstanding amount belonged to me. ( See attached letters ) Nothing other than the same letter with different dates was ever sent to me based on my 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
Consumer complaint received 2023-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
On XX/XX/XXXX  I contacted Mohela to request a refund on my payments made during the XXXX pause. I was told this would be filed and I would receive the refund within 60 days. I called back a week later to confirm it was submitted, and was told that as my payments were made with XXXX prior to Mohela, my refund would take 60 days. As of XX/XX/XXXX  I have not received this refund. 

On XX/XX/ I submitted a written requested via Mohela for a payment history. On XX/XX/ I was told I would receive this information within 30 days. As of XX/XX/ I have not received this payment history document. 

On XX/XX/XXXX  I contacted Mohela to follow up about the status of the refund requested on XX/XX/XXXX  and I was told it is now 90 days, not 60 days for this refund request. During this call I also requested the status of my written payment history request from XX/XX/2023 and I was told this is now 60 days, not 30 days for this request. 

I have been given a different timeline each time I follow up about the status of my financial situation with Mohela. They are inconsistent with what information they are giving their consumers and this information should be transparent from the beginning, which it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24 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: Nelnet, Inc.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act this creditor, Department of Education/Nelnet has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
My loan is less than 80 % XXXX based on the appraised value my present loan to value based on the last appraisal is 69.3 %. Which is loan amount XXXX appraisal value XXXX. The appraisal value was done less than six months ago but the request to take off the pmi was denied. Even though I meet the specifications and am not suppose to have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Not my debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: MD

Complaint narrative:
I've been a victim of identity theft since XX/XX/. I've habitually sent Equifax and XXXX multiple fraudulent inquiries that are listed on My Credit Report via an updated Identity Theft Report through the Federal Trade Commission and they have refused to delete these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portafolio recovery associates contiue to wreck my Credit over a debt more than 10 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Sony Rewards Credit Card by Comenity Bank sent me several offers to open a new account with them and during the holidays I decided to go ahead and sign up for a new account. The promotions that were offered at the time were opening a new account and getting a {$50.00} in XXXX gift card, a free Game that's worth {$79.00}, and a {$200.00} statement credit if I spent {$1000.00} within the first 60 days of opening that account. Now, I spent almost twice that and opened a ticket with them on XX/XX/, and now every time I call I am getting the run around with them. They are telling me that it will be resolved soon but it has been almost 5 months and I can't get a straight answer from them and they are telling me that the department that handles my case doesn't have a direct phone number or an email. I can't help but feel that this has been nothing but a bait and switch by this company and they are defrauding the public.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I have an auto loan charge off on my credit report from Ford Motor Credit ( Account XXXX ). The car was turned in in 2019 at the beginning of the year. They did accredit the resell of the vehicle to my account, yet since a few months ago I have noticed that they have reactivated the debt to making it new again. I am not sure if this is done for them to keep it on my report longer, or what. I have tried disputing with the Credit bureaus in XXXX and XXXX on the XXXX and XXXX respectfully. This did not lead to any correction which was concerning. I even reached out to Form on XX/XX/XXXX about this and my credit. I explained how them reactivating the debt was causing massive harm and they weren't allowed to but I ran into a wall with their company. They said they did not have the debt and it was out of their hands. Yet when I look at my credit report, which I have from XXXX, it shows they do in fact have the item. 

I have attached a few pages from XXXX which shows that the account has been reactivated and that they continuously add debt to it as well. From what I have read regarding the Fair credit reporting act and fair debt collection practice act, this does not seem like they are allowed to do it. I did not want to conduct this complaint which is why I called Ford and disputed it with the credit bureaus. This got me nowhere, I feel I am up against goliaths and just trying to do what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2023 a Business account of JP Morgan Chase Bank was wired XXXX from my SBA loan account. Immediately upon not receiving the merchandise Chase was warned that the account the funds were wired too was a deceptive business who had been pirating photos of equipment on the internet and selling via multiple mediums to multiple people. Evidence was provided of piracy, and other victims. Chase said only the sending bank needed to reverse the wire. When sending bank attempted to reverse it, instead of letting the reversal go through or temporarily freezing the funds and opening an investigation, Chase took the response of the accused business that they " by terms of contract " they had 30 days to ship. There were no such terms, with out investigating or asking for proof Chase denied the reversal. Over 30 days past the incident sending bank asked for follow up and again Chase did nothing. I have researched and believe the offender does not have a Federal tax ID number and should have never been granted a business bank account. Chase representatives have not followed up with me or sending bank. Lack on their part of any investigation or attempt to stop this criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Dear PayPal Customer Support Team, I am writing to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation has been placed by mistake, and I would like to request a re-investigation of my case. 

To begin with, I would like to state that I have not violated any of PayPal 's policies. I have always used my PayPal account in accordance with the terms and conditions set by PayPal, and I have never engaged in any fraudulent activities or violated any of the company 's policies. Therefore, I do not understand why my account has been permanently limited. 

I am aware that PayPal has strict policies in place to protect its users, and I fully support these policies. However, in my case, I believe that the limitation placed on my account was unjustified and has caused me significant inconvenience. 

I would like to request that PayPal re-investigates my case and restores my account if possible. I am confident that a thorough investigation will show that I have not engaged in any activities that warrant a permanent limitation on my account. 

I kindly request that you contact me at XXXX as soon as possible to provide me with an update on my case. I would appreciate any assistance you can provide to resolve this matter. 

Thank you for your time and attention. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Dear Care Credit, I am writing to inform you that your recent attempts to collect a debt from me are in violation of the Fair Credit Reporting Act ( FCRA ). Your collection efforts have caused me significant distress and hardship, as I am unable to pay this debt due to medical reasons and being unable to work. 

Under the FCRA, creditors are required to report accurate information to credit reporting agencies and provide accurate information when attempting to collect a debt. Your attempts to collect a debt that I can not pay due to my medical condition is a violation of this act. 

I request that you immediately cease all collection activity on this debt and remove any negative information that you may have reported to credit bureaus. I also request that you provide me with a written confirmation that you have taken these actions. 

Please understand that I take this matter very seriously and will pursue any and all legal remedies available to me if necessary. I look forward to your prompt response to this matter.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am trying to buy a house, and there is inaccurate information on my credit report, which is defamation to my character and livelihood. Per the FCRA, Section 623 the accounts that have been charged off should not still be reported as such on my credit report. I have attached the accounts that are reporting incorrectly. 
With these accounts, they are also all reporting multiple different dates of the last activity, which I have highlighted in the attached documentation, there are a total of 5 accounts that are reporting inaccurate for both of these issues.

Per 15 U.S.C 1681 there should not be any damages on my credit report.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am trying to buy a house, and there is inaccurate information on my credit report, which is defamation to my character and livelihood. Per the FCRA, Section 623 the accounts that have been charged off should not still be reported as such on my credit report. I have attached the accounts that are reporting incorrectly. 
With these accounts, they are also all reporting multiple different dates of the last activity, which I have highlighted in the attached documentation, there are a total of XXXX accounts that are reporting inaccurate for both of these issues. 

Per 15 U.S.C 1681 there should not be any damages on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the validity of this debt with equifax twice and have not received any results. In XX/XX/XXXX and XX/XX/XXXX equifax has received my dispute request via certified mail. Im so curious on how equifax was able to verify this debt as mine when the other bureas were able to determine that it was not my debt and deleted it from my reports. If the company has to report the same information to all bureas, what has equifax found differently that deems the debt as valid? The company itself can not validate the debt so how can equifax? Due to this erroneous account I have been punished by receiving unfair rates.

Company response to consumer: Closed with explanation