vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Ex Husband and I applied for the original 30 year mortgage in XXXX. 
Our divorced was finalized on XX/XX/XXXX. 
Court ordered Ex Husband, to NOT incur anymore debt on my behalf and to remove me from the mortgage ( JPMCB-CHASE Home XXXX  ).

I provided him with a quick claim deed as court ordered for my removal of said mortgage. 

In XXXX he started the process to modify the mortgage as he let it default and was unable to afford payments. In order to modify the mortgage he needed to provide proof of sufficient income to cover the mortgage. He provided paystubs, bank statements and a written letter informing the mortgage company that I ( the primary on loan ) no longer resided in the home and that his new girlfriend lived there now and that the information he had provided was her 's ( New Girlfriend 's ) proof of income and banking information. Which is stated very clearly on the paystubs and bank statements. 

The Mortgage Company ran my credit, used my social security number, my personal identification information and impeded ( New Girlfriends ) finances to reflect on my behalf to approve the modification without my knowledge, or my signature. 

I HAVE ALL THE DOCUMENTS THAT WHERE USED TO APPLY FOR THE LOAN MODIFICATION. HOW IS THIS LEGAL AND POSSIBLE!! 

It is now a 45 year mortgage which incurred about {$55000.00} in fees, charges and has a fluctuating interest rate for the life of the new 45 year term. I was made aware of this sometime around XXXX. Because of the time frame, local county law enforcement have informed me that are unable to prosecute my Ex Husband or the mortgage company. 

I have called, I have sent letters and the mortgage company does nothing. The mortgage company has told me they did nothing wrong and due to the mortgage being current they have no reason to make changes. Because of this my credit has been GREATLY affected. I am being reported to the credit bureaus, and as such it has caused my debt to income to be affected which in turn does NOT allow me to have a good credit score. I have ALL of the documentation to prove all that I have stated. I NEED HELP its been 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/21 I called Navy Federal to exercise my right as a consumer to opt-out from my nonpublic personal information being shared with a reporting agency or nonaffiliated third party. The Rep stated, " that all the information is on the privacy page site and they do not issue separate private policy forms for every transaction that I open, and can't let me opt-out of reporting to the credit reporting agencies because it is a lending product ''. So I checked to validate what disclosures were presented, and it wasn't anything stating that I have the ability to opt-out from my personal information being sent to credit agencies. As a consumer, I exercise my right under federal law and request to opt-out from my nonpublic personal information being sent to reporting agencies or nonaffiliated third parties.

A notice was not required Pursuant to federal Law 15 U.S.C 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution PROVIDES or has PROVIDED to the consumer notice. Also, Pursuant to federal law 15 U.S.C 6802 ( b ) ( 1 ) ( B ) and 15 6802 ( b ) ( 1 ) ( C ) I was not given the opportunity to direct that such information not be disclosed to such third party and, I was not given an explanation of how I the CONSUMER can exercise that nondisclosure option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, I applied for a Ch. XXXX bankruptcy in which XXXX XXXX was not involved. I was paying my mortgage payments directly out of pocket to XXXX XXXX. To this date I have never failed in paying a mortgage payment. XXXX - XX/XX/XXXX, the Ch. XXXX was converted to a Ch. XXXX and was discharged. But I still do not have access to my online account, I had to keep paying my account through my bill pay, and my credit report shows that the XXXX XXXX account has little to none payment reports, no balance, and the account is closed. I have tried to talk to the bankruptcy, customer service, and to the heads of different departments to fixed this issue but every time I call customer service they want a letter stating that I may communicate with XXXX XXXX but the bankruptcy is over XXXX XXXX has the a copy of the discharge. XXXX XXXX continues sending me and my previous bankruptcy lawyer monthly statements. The law group has already sent the Ch. XXXX discharge to XXXX XXXX but to no avail.

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 2021-07-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom this may concern : Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here below with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Collection- # XXXXif not valid or verified properly, delete immediately. 
XXXX- XXXX-Unverified Account- delete immediately. 
XXXX XXXX XXXX XXXXif not valid or verified properly, delete immediately. 

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1981

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 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with CREDIT COLLECTION SERVICE plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$810.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inaccurate personal information 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 explanation
Consumer complaint received 2021-07-30 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: SC

Complaint narrative:
Hello, my name is XXXX XXXX, I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX billed me for unused time and never reported to the credit bureau the amounts paid over the terms of the contract. So, no positive payments are reflected and instead, they posted an amount due that should never have been billed to me in the first place. I disputed this with experion and they continue to have the debt on my report with no valid paperwork or contract showing I owe this amount.

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 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Webcollex, LLC
State: CT

Complaint narrative:
CKS PRIME WAS PAID IN FULL ACCORDING TO THEIR OFFER AND STILL SHOWED AS BEING OPEN. I HAVE CONTACTED THEIR SUB COMPANY, DEBTSY AND THEY SENT ME A LETTER STATING THIS ACCOUNT WAS PAID AND ANY FURTHER COMMUNICATION MUST BE WITH CKS PRIME. THEY ARE STILL SHOWING AS OPEN ON ALL 3 CREDIT BUREAUS IMPACTING MY ABILITY TO GET A MORTGAGE. THIS NEEDS TO BE MOVED SO MY CREDIT SCORE WILL INCREASE. THIS IS NOW THE XXXX TIME I HAVE REACHED OUT AND STILL NO ACTION HAS BEEN TAKEN. 
THIS ACCOUNT WAS OPENED UNDER MY MARRIAGE NAME OF XXXX FOR WHICH I NO LONGER GO BY. 
* I HAVE FORWARD COPIES OF MY BANK STATMENT AND CHECK CLEARNING TO SHOW THE DEBT HAS BEEN PAID TO DEBTSY AND THEY CONTACTED CKS PRIME. THERE ARE WAY TOO MANY HANDLERS WITH COLLECTION ACTIVITY AS THE RIGHT HAND DOES NOT KNOW WHAT THE LEFT HAND IS DOING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I received +5 promotional offers for a credit card from Capital One Bank ( USA ), NA, in which they offerred a {$200.00} cash bonus if approved and, if I charged {$500.00} on the card within 3 months. My income is approximately $ XXXX per year with rent of approximately $ XXXX rent per month ; which is all they ask. Along with birthdate that indicates my age to be 68 years of age. My credit score is and has been generally above 800 for years. I was rejected based on income. I believe this was age discrimination and bait and switch advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TX

Complaint narrative:
To Whom this may concern : Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here below with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Collection- # XXXXif not valid or verified properly, delete immediately. 
XXXX- XXXXUnverified Account- delete immediately. 
XXXX XXXX XXXX XXXX-if not valid or verified properly, delete immediately. 

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1981

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 2021-07-30 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: TX

Complaint narrative:
To Whom this may concern : Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here below with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Collection- # XXXX-if not valid or verified properly, delete immediately. 
XXXX- XXXXUnverified Account- delete immediately. 
XXXX XXXX XXXX XXXX-if not valid or verified properly, delete immediately. 

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1981

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
TOOK OUT A NO INTEREST LOAN AT THE DENTIST OFFICE FOR $ XXXXTOLD IT WAS NO INTEREST LOAN. PAYMENTS MADE MONTHLY RECIEVED NO PAYMENT BOOK PAYMENTS NEVER LATE.AFTER ONE YEAR BALANCE WAS XXXX.THEN TODAY I RECIEVED NEW STATMENT SAID MY NEW BALANCE WAS {$4700.00}, {$1300.00} IN INTEREST WAS NOW OWED.I WAS NOW INFORMED IT WAS A DEFERRED LOAN, SOMETHING I WAS NEVER INFORMED OF .CALLED COMPANY AND SAID THEY WERE DECEPTIVE AS WAS THE DENTIST. .INFORMED ME THE LOAN WAS TO THE DENTIST NOT THEM YET ALL PAYMENTS WERE MADE TO THEM.I SAID I WOULD PAY THE FULL BALANCE I OWED MINUS THE INTEREST.THEY SAID YES BUT REFUSED ANY VERIFICATIN BEFORE THEY GOT THE BALANCE.BECAUSE IWAS LIED TO IN THE BEGINNING IREFUSED TO SEND MONEY TILL I GOT A VARIFICATON FIRST THEY REFUSED.SO HERE I AM THE COMPAN WAS CARE CREDIT OWED BY SYNCHRONY.PS CARE CREDIT WAS SUED BY C.F.P.B.FOR SIMILAR REPRESENTATION WITH A # XXXX 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 monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased an item from a internet based company. I was contacted by the company and told that they did not have the item they sold me and had issued an refund for {$420.00}. I did not receive the refund. I contacted Chase Bank and explained the problem. I was issued a provisional credit that was then revoked 30 days later. Chase says that the merchant told them I cancelled the order too late and was not entitled to a refund. I explained to Chase again that the company cancelled the order and issued a refund with out me even asking them to. The reason for not returning my money was inaccurate. I have since then gone to Chase Bank in person twice to have them fax in proof of the companys emailed response and refund. Chase keeps telling me they don't have the information the bank branches are faxing to them and has repeatedly denied my claim. So far the company has never refunded my money, not sent me a product and continues to lie about the transaction and Chase is doing nothing about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30 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: CA

Complaint narrative:
I paid the total balances of two collection accounts on XX/XX/2021. The collection companies mailed a payment verification letter to Equifax but Equifax refused to check and update the two collection accounts records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally bank has frozen my accounts after I received a loan from the SBA. Now I can not access my funds and the fraud department will not work with me. Ive been hung up on and received very little information about what is going on. I submitted documents that were requested for me being a sole proprietor, but the investigator has not returned my emails or phone calls.

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 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I checked my Credit Report in XX/XX/2021 to find Accts that were not mine. I called the credit bureau to confirm that i had no knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: CO

Complaint narrative:
I have been XXXX XXXX military for 15 years, and, therefore, I am exempt from paying personal property taxes. I originally leased my XXXX XXXX in NC in XXXX  and recently paid off the remainder of the loan, meaning I now own the vehicle outright. Despite providing all the required documentation to verify my tax-exempt status from the time I started leasing the vehicle, Honda/Acura Financial Service continues to call me and tell me I owe payment for personal property taxes. I have reiterated to multiple agents that, by law, I do not in fact owe the tax and that if XXXX has been paying it unnecessarily on my behalf over the last 2 years, that is their problem to fix, not mine. 

Honda/Acura Financial Services has now reported my account to XXXX  as being delinquent based on this property tax issue, despite the fact that I own the vehicle and have no outstanding payments due. When I called their 1-800 number to dispute this debt, the representative was unable to put me through to a supervisor and told me it is my responsibility to contact the tax agency in the county where we purchased the vehicle to verify my tax-exempt status. Not only do I no longer live in NC anymore due to moving to my new XXXX XXXX over 2 years ago, but Honda/Acura Financial Services is essentially transferring the blame for their paperwork error to me, telling me I am responsible for fixing it, and damaging my otherwise perfect credit. The representative claimed I will receive a call-back from a supervisor within 24-48 hours. Meanwhile, this issue remains my responsibility to fix. To say I am upset and completely unimpressed with Honda/Acuras customer service is an understatement, and I do not intend to pay a tax I am legally exempt from paying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with LVNV FUNDING plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: IL

Complaint narrative:
Hello. I provided a copy of all requested documents. They called my bank to verify my bank statements. However the are still requiring a bank statement. They ask for a bank statement or a voided check. I don't use checks so I sent in a bank statement from my credit union. The credit union only places the account number on the statements and not the actual draft account number or checking account number. Upgrade called the credit union and verified all the information while i was on the phone. After the successful verification of account number, name, birthday, last two deposits upgrade still asked for a bank statement from me after they ended the call with the credit union. This problem started after I uploaded a copy of my drivers license. I believe I am being discriminated against do to my race. They ask for a selfie, drivers license, social security card, bank statement or voided check and the give the option to link your bank account, which i did link. However, they are still requesting a bank statement. I ask to speak with a supervisor and the representative put me on hold for 10 minutes, came back on the line to check to see if i was still holding then put me back on hold for over 30 minutes. He finally came back on saying he was mistaking and was able to submit my application for approval. He asked if i still wanted to speak with a supervisor and I declined. However, I continue to file this compliant because of my bad experience with customer service.

Company response to consumer: Closed with explanation